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Hence, these loans are designed for emergencies only if you may not have sufficient cash available to create your cost, but may possibly contain it by the time the next salary cost appears. 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. Your Credit Profile
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