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Take a deep breath, then take a hard look at your income, expenses, and debt, if you haven't already.
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If you're constantly in your overdraft, this could be seen as living close to the edge of your finances, so avoid it if possible.
Providers decide what service to offer, but a little bit of promotion about yourself wont hurt due to the amount of competition there.
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When I graduated, I did try at first to keep up with the payments, but quickly fell behind.
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The amount can be taken as one lump sum or in 2 instalments.
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