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One entry per taxpayer with paid federal tax return.
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Only borrow an amount that can be repaid on the date of your next pay period.
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Navient/SLM rarely sells their private loans from what Ive seen, they just contract with collection agencies to try to collect – but they still retain ownership of the loan, even years later.
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Nor did they request a carve-out, which could have allowed them to remain investors with JLL but not exposed to ACE.