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Do you need cash for an unexpected expense? [link widoczny dla zalogowanych] A: A student loan that is given without demanding any credit is hard to get from private banks. Usually, a bank will ask for either a credit score, or a cosigner. So if you do not have a good credit score, you must find a cosigner instead. This will help in getting a loan approved despite a bad credit rating. Avoid taking payday loans frequently from multiple lenders. Try to change your spending and credit habits and focus on paying back all your debts. A small unpaid bill can affect your credit score. A reputable financial counselor can help you to gain control over your finances.

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