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If you live in Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington, D.

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By taking more time to return what you owe, you pay less every installment.

Whether a charge is a prepayment penalty depends on the circumstances around the assessment of the charge, and specifically whether the charge was assessed in connection with the consumer paying any of the loan before the date on which the loan is due in full.

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