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Great Tips and Advice for Managing Your Money

Skimpy hospital gowns, painful shots and subzero temperatures in your doctor's exam room aren't always the worst part of getting medical treatment. Receiving a hefty medical bill after a doctor or hospital visit can be an especially bitter pill to swallow. In addition to depleting your bank account, medical bills can affect your credit if you don't pay them on time. The key to curing the problem is to take action immediately. Here's what you need to know to prevent medical bills from hurting your credit score.

Do Medical BIlls Affect Your Credit?

Simply receiving a medical bill doesn't affect your credit score, of course. Neither does paying the bill a few days late. Medical bills affect your credit score only if a collection agency gets involved.

medical cost affect your creditIf you don't pay your bill and it becomes significantly past due, your health care provider may give up on collecting the debt from you and sell it to a collection agency. The collection agency then takes over the debt and starts contacting you to get payment.

When exactly is a bill past due? Each health care provider's office has its own practices. Typically, providers wait 90 days before turning your medical debt over to collections; however, some providers will wait 180 days, while others will wait just 60 days.

To help standardize medical debt reporting and protect consumers' credit reports from being unduly affected by medical debt, the three major credit bureaus (Experian, TransUnion and Equifax) now employ a 180-day waiting period before medical debt appears in your credit history. This six-month grace period is designed to give you enough time to correct any errors on your bill, pay the bill or get your insurance company to pay it, figure out a payment plan or otherwise resolve the problem. By taking action within the 180 days, you can prevent medical bills from hurting your credit score.

How Long Do Medical Collections Stay on Your Credit Report?

Unpaid medical bills can stay on your credit report for seven years from the original delinquency date. Because your payment history is the biggest single factor in your credit score, accounting for about 35% of your score, having a collection account such as unpaid medical debt in your credit history can have a significant negative impact.

credit score picIn recent years, health care costs have risen, making medical debt a serious burden for more and more Americans. In the U.S., the average inpatient hospital stay costs over $22,000, according to a study by the Institute for Health Metrics and Evaluation. The latest FICO credit scoring model, FICO 9, as well as the VantageScore 3.0 and 4.0 credit scoring models, all give less weight to unpaid medical collections than to other collections. FICO® Score*  9 also ignores collection accounts if the original unpaid balance was less than $100. In addition, all three major credit scoring agencies will remove medical debt from your credit history once it is paid off by an insurer.

The problem is, different banks and lenders may use different credit scoring models. When you apply for a car loan, mortgage or credit card, you won't know exactly which credit scoring model is being used, so you have no idea how heavily medical debt is weighted when determining your creditworthiness.

Clearly, unpaid medical bills can leave your credit score in critical condition. To keep your credit score healthy, you should do everything in your power to prevent a medical bill from ever going to collections in the first place.

How to Keep Medical Bills off Your Credit Report

The good news is that in most situations, a little vigilance, knowledge and organization are all it takes to keep your medical bills from going to collections. Take these steps when you're planning any doctor visit or medical procedure:

    1. Know what to expect. Get familiar with your health insurance plan so you know exactly what it covers, what it doesn't and what your copay will be for a visit or procedure. Armed with this information, you're less likely to make costly mistakes such as visiting an out-of-network doctor or not asking for a generic version of a prescription drug.

If you don't have health insurance or your insurance doesn't cover the visit or procedure, find out ahead of time how much you can expect to be charged. (You probably won't get an exact figure, but you can get a range or estimate.) This is also a good time to find out if the health care provider offers any payment plans or accepts medical credit cards, such as CareCredit.

    1. Keep track of your medical bills. Make it a habit to read any letters, emails or other communications from your health care provider as soon as you receive them. That way, you'll catch mistakes quickly and can contact the provider to iron out any problems right away.

If you recently had a procedure or visited a doctor and haven't received a bill, contact the health care provider to make sure they have your correct address and that you didn't miss a bill. Do you receive bills by email? Make sure to add your providers to your email address book so their messages don't get lost in your junk or spam folders.

  1. Make sure the charges are accurate. Medical offices and insurers make mistakes. Simple human errors such as miscoding a medical procedure can result in incorrect charges. Review each medical bill carefully and compare it against your insurance company's benefits to see if you're being charged the correct amount. If not, contact the health care provider's billing office, your health insurance company or both to let them know. After a hospital stay or complex procedure, ask for an itemized bill so you can check specific charges for accuracy.

What if you've done all of the above and still end up with a medical bill you can't pay? Don't panic: There are a few options that can help you keep the bill from going to collections.

  • Try to negotiate your medical bills. The best time to negotiate medical costs is before your treatment or procedure, but you can also try to do so afterwards. Some health care providers charge lower rates for patients who don't have health insurance and are paying out of pocket (known as "private pay"). Websites such as Healthcare Bluebook and FairHealth let you research the average cost of specific procedures in your area. You can use the information to choose care providers and as leverage to negotiate lower prices.
  • Work out a repayment plan. What if your health care bill is as low as it's going to get, but it's still more than you can pay? See if you can set up a monthly payment plan with the provider. Many providers would rather work with you than send the bill to collections. Contacting your health care provider's billing office immediately to discuss repayment will show you're acting in good faith (and will give you more time to pay the bill).
  • Keep an eye on your credit report. Are collection agencies calling about a medical debt you've never heard of before? Legitimate medical debts sometimes go to collections without you ever receiving a bill. This might happen if your provider has an incorrect address for you or if your mail is misdelivered. If you have a common name, it's possible you're being charged with someone else's bill. Finally, some collection calls regarding medical debt are scams. Before you panic (or pay anything), ask the collection agency to provide proof of the debt in writing. Under the Fair Debt Collection Practices Act, they must give you this information within five days.

The best way to avoid getting blindsided by a collection agency? Get a free credit report on a regular basis and review it carefully. If you find errors or any suspicious activity in your credit history, contact the credit reporting agency right away to set the record straight.

Prevent Medical Bills From Hurting Your Credit Score

Medical treatment can leave a scar, and when it leads to a big medical bill you can't pay, it can also leave a mark on your credit score. This is one situation where an ounce of prevention is worth a pound of cure. Take a few simple precautions whenever you get medical treatment, and you'll help keep medical debt from dinging your credit score.

The article above appeared on Experian's October 22, 2019 blog by Karen Axelton.

Getting saddled with student loans has become the new norm, and what you pay depends on the number of loans you take out and the amount borrowed under each. For instance, most students apply for federal loans through the Free Application for Federal Student Aid program, and some look at private loans. However, the Financial Aid Guide published by Maryville University states that tuition for public and private universities can range from $20,000 to $30,000 a year, and to get through this, most students would need a combination of both federal and private loans. More loans equal more interest, which means higher amounts to pay after graduation. This makes student loans a College Loanheavy burden to bear, and achieving financial success even harder. In fact, a survey published on Business Insider found that the new standard for financial success for young adults isn't about being wealthy at all — most people aspire to simply be debt-free.

This is understandable, as this financial burden can be a hindrance to your life choices for years after college. You might avoid making risky decisions at work, or you’ll hold off doing something you love in order to pay your debt. So if all this sounds familiar to you, we've outlined some key tips to help you tackle your student loans:

Have a Payment Plan

The first and most vital step is to create a payment plan for yourself. Make a list of your debts, and rank them according to interest.

In this regard, personal finance writer Luke Landes lists two ways you can pay your debt: snowball payments or avalanche payments. Snowball payments involve prioritizing the smallest debt first, giving the rest of your debts minimum payments. Once the lowest debt is finished, add your payments from that to the minimum payment of your next debt. In this way, the snowball method gives you a feeling of accomplishment from seeing results faster. On the other hand, avalanche payments comprise of large payments to the debt with the highest interest rate first, and minimum payments for the rest. Though this method is a little more challenging, it helps you save on interest in the long run, and will eventually help you pay off your debts sooner.

Regardless of the method, a payment plan can also help you achieve one step highlighted by our article on how to ‘Raise Your Credit Score’, which is making payments on time. Taking care of your credit score can benefit you in the long run, as it can make future financial transactions much easier.

Create your budget — and stick to it

Once you’ve landed a job, budgeting your income is vital to help you ensure that you pay your debt on time. This will also help you see where you can cut down on spending, and instead, place that extra money towards your debt payment and even some savings.

Make bi-weekly payments

Switching to bi-weekly payments is one way to trick yourself into paying more — and it won’t even seem like it, until you do the math. For instance, paying $150 bi-weekly for one year (26 weeks) equals $3,900, while paying $300 monthly for one year is $3,600. This method enables you to give 13 months’ worth of payment instead of 12, shaving off time out of your payment schedule and reducing your interest at the same time.

Find a program that suits you

There are plenty of programs that can help you out with your student loans. Most of them, however, only apply for federal loans, such as loan forgiveness, income-based repayment, and loan repayment assistance programs. For those with private loans, Credit Sesame's Adrian Nazari recommends finding companies with a loan repayment program as an employee benefit, as this can go a long way in clearing your debt.

For many, paying off student loan debts is an important achievement towards long-term financial wellness. Stay motivated, and you’ll rid yourself of your debt faster than you anticipated. After all, the best way out is always through.

Prepared for americasloancompany.com

By Heidi Smith

How to Avoid Shady Online Loan Providers

With the internet becoming a household necessity, running errands and getting things done have become easier and more convenient. From online shopping, paying bills, ordering food, everything's possible with just one click. Even borrowing money is possible. However, when applying for a loan online, the stakes are higher. lady on labptop sept 2019 blog

Online lending platforms have grown considerably in the past few years to answer the growing demand for accessible loans. But the red flag of borrowing money online is that you need to give personal details to a party or to someone you barely know. It's quite risky given the fact that loan scams and shady loan offers are rampant nowadays.

What Every Borrower Needs to Know

The safest way to borrow online is to keep an eye out for red flags and make sure you're dealing with a credible lender.

If you're resolved to borrowing money online, there are two significant risks you need to be aware of.

  • It's a real risk to lose money. Fraudsters can easily set up shop, charge fees, and promise the world for approving your loan. In the end, you will not get what you paid for.
  • You'll pay too much. You might end up paying big in interest and fees to a deceptive lender, costing you thousands of dollars, which is more than what's necessary. Legit and reputable lenders will offer the same loan for a more affordable rate.

Identity Theft

It happens when you give your personal details to a website that doesn't entirely protect your identity, or when you give your personal information to identity thieves.

The information commonly found on loan applications are vulnerable to the prying eyes of thieves. Your date of birth, Social Security Number, home address, and phone number are just some of the information they might steal.

You already lose when you wasted your time dealing with all of the applications and follow-ups and trying to borrow from a fake lender. Thus, be extra prudent.

Watch Out for Red Flags

Sometimes, con artists make the mistake of giving themselves away. As such, when you start communicating with lenders, observe how they operate and present themselves before you give your money and personal information.

Look for a different lender if you see any of the red flags below.

Up-front Fees

Take heed that legitimate lenders don't ask for upfront fees. Thieves and scammers commonly use "advance-fee scam" and will explain that you have to pay a certain fee so they can process your loan application.

While there are legitimate loans that require money for the application, they are usually for big loans like home loans. Such loans will require the borrower to pay for an appraisal, a credit check, and so on. Also, these fees will be thoroughly explained on official disclosure documents. If you're applying for an auto loan or personal loan, such fees should be non-existent.

If you paid for some fees already, expect them to keep asking for "one last" fee to you until you catch on.

Guaranteed Approval

Lenders don't do business just to lose money. With that, they don't give guarantees that they'll lend money to just about anyone. Although there are lenders who are willing to bite more risk than others, they still need to be sensible and check about your finances.

If you have no income, no assets to use as collateral, or you have a bad or no credit history, a lender will hardly lend you funds. Otherwise, how can they get their money back? If it's just too good to be true, then it probably is.

Lenders who approve anyone's loan applications often sound smarter than they do. They have ways to gain high profits as a return for taking big risks, which could mean they steal data or money, or you're going to pay a lot.

Request for Funds Through Payment Services or Wire

You're trying to get money when you're applying for a loan, so why do you have to send money? Again, there are loans that require legitimate fees, but you can pay them with a credit card or check.

If a lender will ask for payment through a wire or instant payment services such as MoneyGram or Western Union, it's definitely a scam. Your money will be gone for good once you send funds, and it's going to be impossible to track the receiver.

Further, a lender who accepts checks for payment will need a clean bank account for deposits, that of which can be easily found by law enforcement. Be informed that credit card processors will quickly shut down vendors with too many complaints.

Unprofessional Service and Sales

Banks may not be known for their fuzzy and warm interaction, but with them, you will not get a sense that you deal with a fly-by-night operation.

A lender's site that’s full of misspelled copies, security errors, and other inconsistencies is an indication that you deal with scammers. Moreover, pay attention to how the sales staff speaks with you, high-pressure and abusive behavior are clear warning signals of what's to come.

The Name Game

For businesses that deal with money, first impressions are as important. But for scammers with nothing authentic to offer, they will use confusing names or choose official-sounding names.

For instance, the lender might use the word "Federal," but it doesn't mean the U.S. government supports or endorses the lender. Imitating the name of a large bank is another obvious tactic.

Beware of Dangerous Loans

Apart from being vigilant with the lenders, it's also important to be wary with the loan offers online. There are loans that aren't worth the risks no matter who the lenders are, and it's easy to spot them online.

Expensive Loans

caution high feesSuch loans can send you to a debt spiral and may put you in a worse position than where you currently stand.

For instance, auto title loans and payday loans are known for their expensive fees, which could amount to triple-digit interest rates.

Unlicensed Lenders

These are lenders who are not supposed to operate in your state. But since they're lawbreakers, they can collect fees and offer loans from just about anywhere on the planet.

To avoid falling into the hands of these shams, check the regulator of your state to verify if a certain lender has the authorization to do business in your place. Legitimate lenders don't let their licenses lapse or forget to register. You'll have little or no legal recourse in case you have a dispute with a lender overseas.

Illegal lenders take advantage of those who don't have many options or of individuals who are desperate to borrow money. Their common practices may include:

  • Rolling over or repaying high-fee loans more often than what's allowed in your state. The borrower will pay another fee whenever it happens, which increases the debt load over time.
  • Bypassing debt-collection laws that curb how lenders can collect defaulted or unpaid loans.
  • Including products like disability or life insurance into your loan without your consent.
  • Imposing higher interest rates than what's allowable in your state.
  • Information Gatherers and Sellers

Beware also while searching for online lenders, you might find businesses whose slogans shout "we don't lend money" to site visitors. Such web has lead generation sites which could sell your personal details to lenders.

Lead Generators are Experts in Marketing

Lead generators will help you look for people or parties who are willing to lend you funds. Some big websites do this maneuver and present a valuable service while earning little per loan. But with shadier operations, it may create problems.

Be cautious when giving out personal information to websites that guarantee you to shop the competition as they might sell your contact information to predatory lenders, or identity thieves who will continuously try to scam you.

Be a Wise Borrower

As a borrower, make it a practice to borrow only what you can afford to pay. The lenders may be willing to lend you the largest amount possible, but it doesn't mean you have to borrow the maximum.

Besides, it's not really a good idea to do so. You never know what surprises may come in the future even if you can afford the payments.

Takeaway

All online lenders are expected to be completely legitimate and above the board. Unfortunately, scam or fake online lenders now resides on the internet, and you need to avoid them at all costs.

Besides the obvious scammers, be vigilant with legitimate lenders too as some will try to squeeze you by offering bad loan conditions and terms like hidden fees, inflexible repayment options, and excessive APRs. Fortunately, you can more easily identify sketchy online lenders by being aware of the following red flags given above.

The above blog was received from a recent contributor.  We wanted to share with everyone since it has some good points to keep in mind when trying to find trustworthy online lenders like America's Loan Company.  It is quite sad that there are so many ruthless people trying to steal and that they are able to do it so easily.  America's Loan Company does not recommend or discourage the use of any other lenders named in this blog.  The point is to share the basic suggestions on how to avoid online scams.  Our thanks to the contributor, Tiffany Wagner.

Author Bio:

Tiffany Wagner is a full-time writer and contributor for various websites on topics about Credit Score Trends, Banking, finance, and real estate are her favorite go-to subjects to tackle. She’s also a big stock market hobbyist and likes to spend her free time crunching data and numbers. Whenever she has free time, Tiffany cozies up on her favorite cafe and play Sudoku.

 

What would you say is the most nerve wrecking part of applying for a loan?  Submitting the application?  May be, if you try to answer questions on the application in a way that you think will increase your chances of being approved.  But reading the mind of the people who will approve or decline your application is not realistic.  How about providing documentation such as bank statements and pays stubs?  No likely stressful, but, more like just plain work.  How about this one, waiting for a decision to be made based on your credit report?  I think most people find this the most mentally painful as the ways by stressing over a loanwhich credit reporting bureaus determine our credit scores are not always clear to understand.  For example, in our company, America’s Loan Company, we have found people with credit scores at 700 who have one car loan and nothing else.  Yet we find others with more lengthy unsecured loan and credit card credit histories who have slightly lower credit scores.  Although there are several factors that we would look at, all things being equal, we may find the applicant with the good unsecured debt credit history better qualified for a loan.  As far as keeping you credit score good keep this points in mind:

  • It will always help to make you debt payments on time. This shows that can are responsible.
  • Keep older accounts current. In this way lenders can see that you can handle debt long term. 
  • Use less of your available credit. Maxing out you credit limit is not viewed positively.   

But is credit score and credit history the only thing that lenders look at when determining eligibility for a loan?  No.  Looking at income is also a factor.  A borrower who can proof that they have a steady proof of income will have a preferable decision.  If you can prove that you receive a steady monthly, biweekly, or weekly income it makes the lenders less worried about the payments being paid on time.  If you don’t have a steady income, a cosigner may be required.  However, beware those of you who may decide to be a cosigner for someone else.  If the main applicant fails to pay that loan, then the cosigner has joint liability to pay that loan in full.  Our recommendation is that you don’t agree to be a cosigner for a loan unless you are ready to pay for that loan yourself.  Another factor related to income is time of employment.  Obviously, someone who has been with an employer only 3 months may have a more difficult time getting a loan as compare to someone who has been two years with the current employer.

Looking at your bank statements may also determine eligibility for a loan.  For instance, if a bank statement is flooded with nonsufficient funds fee, it will put in doubt that your finances are kept in order.  It makes you look like more of a high risk to loan money to.  But, even if the bank account is kept clean of nonsufficient fund fees, if the bank statements show mostly very low daily balances, like under $20, that may indicate to a lender that there is not much disposable income available to pay another debt.

credit historySo, credit history, credit score, a steady income, length of time with current employer, how you keep your bank account, all can be factors used by lenders to decide whether to trust you with a loan.  If you decide to apply for a loan, please, realize that lenders are not trying to be mean to you.  They are just trying to be responsible and make sure you can handle dealing with a debt.

Have you noticed the increase of car loan offers with terms longer than 5 years.  Don’t know about others, but I find the idea of being indebted for a car loan for over 5 years scary.  Just think of the interest you will be pay.  Red flags pop up all over my mind.  Did some digging and I found the Experian Blog below dated June 29, 2019.  Talks about pros and cons of getting a car loan with terms longer than the traditional 5 years.  Some excellent points to keep in mind.  So, I figure we share it.  If you rather read the blog yourself follow this link: https://www.experian.com/blogs/ask-experian/are-84-month-auto-loans-a-good-idea/.

As new car prices rise, lenders are offering longer and longer terms for auto loans. While five-year (60-month) loans were once considered lengthy, in the first quarter of 2019, nearly two-thirds of new car loans had longer terms, according to Experian data.

Now, 84-month auto loans are becoming more common. Getting a seven-year auto loan can reduce your monthly payment, but is it a wise move financially? That depends on several factors. Here's what you need to think about before you head to the dealership.

When an 84-Month Car Loan Might Make Sense  cash for car loan

Stretching out your repayment schedule over seven years can lower your monthly car payments significantly compared with, say, a three-year or even five-year loan. This can allow you to buy a car that might not otherwise fit your budget (more on that below).

There are a couple scenarios where an 84-month auto loan might make sense:

  • If you invest the money you'll save: If taking out a seven-year auto loan saves you $396 a month on your payments compared with a three-year loan (as in the example below), you could put that $396 into an investment whose rate of return outweighs the amount of interest you're paying on the loan. But will you really do that—for seven years? And if you have an extra $396 a month to invest, is keeping your car payment low really a concern?
  • If you plan to pay down other high interest debt: If you have $10,000 worth of high interest credit card debt, taking out a seven-year car loan would give you more money to put toward your credit card bill each month. However, you'll have even more money to pay down your credit card debt if you don't buy the car at all or buy a much less costly one (that you could ideally pay for in cash). If you're already having trouble with credit, taking out a new loan probably isn't a wise move.

Reasons an 84-Month Auto Loan Might Not Be the Best Idea

The main reason to avoid an 84-month car loan: You'll pay more interest. Because these loans tend to be targeted at people with less-than-stellar credit, they often carry higher interest rates than three- or five-year loans to begin with. But even if you get a low interest rate, the longer your car loan, the more interest you'll pay over its life.

Suppose you buy a $25,000 car with no down payment at 5.09% interest. Here's how three different loan scenarios pan out:

  • 36-month (three-year) loan: Payments are $750/month; you pay $27,010 total ($2,010 in interest) over the life of the loan.
  • 60-month (five-year) loan: Payments are $473/month; you pay $28,369 total ($3,369 in interest) over the life of the loan.
  • 84-month (seven-year) loan: Payments are $354/month; you pay $29,770 total ($4,770 in interest) over the life of the loan.

If the thought of paying thousands of dollars in additional interest doesn't persuade you to steer clear of 84-month car loans, consider these other reasons to avoid them: TOO MUCH DEBT

  • Car depreciation: A new car loses as much as 20% of its value in the first year. Over the seven years of the loan, your car's value will continue depreciating, possibly to the point where you owe more money than the car is worth. That's called being "upside down" or having negative equity in your car.

Negative equity becomes a real problem if you want to sell your car or trade it in for a newer model. The buyer or dealer will only pay you what the car is worth—so you actually lose money on the deal. If you get into an accident and your car is totaled, the insurer will only reimburse you for the car's value, but you'll still be on the hook for the remainder of the loan.

  • Outlasting the warranty: Most new car warranties are good for three to five years. If you have a seven-year auto loan, however, you'll be making car payments for several years after the warranty has run out. Sure, you can pay for an extended warranty—but wasn't the whole point of an 84-month auto loan to keep your costs down? The older your car gets, the more likely it is to need costly maintenance or repairs. Paying for a new transmission while you're still paying for the car itself can be a real kick in the bank account.
  • Overextending yourself: An 84-month car loan lets you buy more car than you can really afford—and let's face it: That's not a good thing. If you're eyeing a luxury car, know that they often cost more to operate, maintain and repair, which can cancel out any savings from the lower monthly payment. And if you lose your job, have to take a pay cut or face a major financial setback, you're still stuck with that (seemingly endless) car loan.

How to Get Low Monthly Car Payments

It is possible to buy a car without spending your whole paycheck each month. Here are some ways to lower your monthly car payments that make more financial sense than an 84-month auto loan.

  • Improve your credit score. If your credit score isn't high enough to qualify for a lower interest rate on your loan, why not wait to buy a car and work to increase your credit scorein the meantime? Devote yourself to paying down debt and making all of your payments on time. In as little as three to six months, you could have a higher credit score and qualify for a better loan.
  • Save for a larger down payment. A bigger down payment can help you qualify for better terms on an auto loan. The down payment will also reduce the total amount of money you need to finance, helping to ensure that you don't end up owing more than the car is worth.
  • Lease the car. Dealers often advertise appealing lease offers that can help you get the car you want with lower monthly payments than buying. But keep in mind that since you won't own the car at the end of the lease, you'll have nothing to show for the money you spent. You could also face additional costs if you go over the mileage limit. If your credit is poor, leasing a car could be difficult
  • Buy a less expensive model or a used car. If the only way you can afford your dream car is with an 84-month loan, it could turn into a financial nightmare. Set your sights on a less expensive vehicle or look for a late-model used car instead.

When to Refinance Your Car Loan

Have you already taken out an 84-month auto loan? If interest rates have dropped or if your credit score has risen since you got the loan, you may be able to refinance and get better interest rates. Get your free FICO® Score* from Experian to see where you stand. Then contact banks, credit unions and online lenders to see what interest rates they're offering for auto refinance loans.

Even if you had bad credit when you bought your car, paying your bills on time, monitoring your credit and paying down debt can all help boost your score relatively quickly. Get the details on how to improve your credit score and how to refinance a car loan. (Don't wait too long to refinance; in general, lenders prefer to refinance loans for cars under 5 years old.) 

The Bottom Line

If you're looking longingly at pricey new cars, an 84-month car loan may seem like the answer to your prayers. However, the tradeoff of lower monthly payments is rarely worth the risk of owing more than your car is worth, being tied to endless car payments or spending more than you can really afford. Instead of getting locked into a seven-year car loan, look for a smarter way to keep your monthly payments down. 

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