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Short term loans are designed to be used only in financial emergencies as a short-term solution to help you make ends meet between paychecks. All of the same cautions used when obtaining any form of credit should be used when deciding whether or not to take out a short term loan. You should never request a loan for any other reason but financial emergency, and if you are experiencing serious financial troubles, you should consult a counselor before taking out a loan.
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