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Its common for a secured card to apply a late fee and a fee for a returned payment.

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Remember that though your first loan amount is capped at $1,000, you can talk with the manager, explain them your situation, and receive up to $5,000 as a monthly installment loan.

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Remember that this should be your last resort as interests on private loans are generally higher than federal loans.

APRs can be as high as 35%, and many credit card companies also charge annual fees.

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