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Over the last 10 years, she had made at least $21,000 in payments toward those two loans, and likely several thousand dollars more, according to a ProPublica analysis based on her credit reports and loan documents.
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The electronic short notice would be an initial notice provided through a method of electronic delivery that the consumer has consented to, such as a text message or email, that would provide a link to a unique URL containing the full payment notice.
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She reiterated the stance of the OLA representative in the story, that state laws about online lending are unclear and that most online lenders don't operate in states "where jurisdiction is in question.
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