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I guess I would say that your option to pay 15 percent or 10 percent of your discretionary income is much better than what people used to have to deal with.
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Minimum interest charge: The minimum amount of interest the bank will charge on your loan.
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In six months, you would have paid back $180 to borrow $150.
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The amount of interest you pay back will vary depending on the length of time you take the loan out for.