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While the surrounding financing alternatives could present immediate solutions for college loan school, here are some long-term ideas. Don't have credit card debt. Pay if off as your first priority. The outrageous interest rates and penalties can have you paying for years to come and maybe decades. Consider it the creditor of last resort. Thus, with some new financing at a lower rate and a disciplined plan for savings and spending, college loan school may no longer be an issue.

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