Between interest rates, and late payments. It's hard paying off that much making $8 an hour. The longer it takes to pay, the more interest stacks on. That's why you should always make more than the minimum payment on a credit card. Interest. & not using my forbearance like I should have. Honestly when I couldn't go back my 4th year I was so mad I refused to pay them, and just threw the letters away. Well, it catches up to you.









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