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However, you may not be aware, but many colleges have funds set aside for such matters and their financial aid office is ready to provide an emergency student loan when College Emergency Student Loans In case of an emergency, first go to your college's financial aid office and discuss your situation.
A guarantor loan direct lender is one which allows you to apply for a guarantor loan directly on their website.
For payday industry size, see, John Hecht, Alternative Financial Services, at 7.