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Look at payday loans like a TiVo or VCR. You want to watch Burn Notice but you have other obligations on Thursday night. So you time shift. Do your stuff on Thursday night and watch your program at a later date. Hence, you might not have the money now for a chance to go out with friends but you will at your next payday or the end of the month or after your mileage check or whatever. So you have to decide if it's worth the extra money for a payday loan to go out now and pay later. Or you didn't want to miss an event with your family so now your face bounced checks or nsf (non sufficient funds) bank charges. And they aren't cheap. Some banks are charging $45.00 and still bouncing the checks! These cash flow problems, hopefully temporary, are a fit for a payday advance loan. Sometimes you have to have several balls in the air at the same time. A: Easy student loans that require no credit check or cosigner usually fall under the category of federal student loans. These are need based loans that are given to students who demonstrate a simple need for financial assistance. Private lenders are usually unwilling to give loans to students who have a weak financial background.
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