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By 2008, only two of the five banks had survived, and those two did so with the help of the bailout.
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If the borrower informs the lender that he or she does not have the funds to repay the loan, the loan is often refinanced 3 through payment of an additional fee.
They skew more female than male, and most have at least some college education, Rees said.
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Hardly any private lenders offer instant student loans to students with bad credit to manage the cost of their college education.
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