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* Bad credit lenders do not automatically deny someone based solely on their credit report! These loans are well-known since they are simply received; there is little formality like credit investigations, or several papers. Once your EFC is determined, it is used to draft an individual Student Aid Report (SAR) that spells out your financial needs relating to college. The SAR is forwarded to universities of your choice, to place you in consideration for whatever student aid is available – including student loans. 2. Your giving out personal information online
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