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A: Having a bad credit record is a common enough for students. For them the best option is to apply for federal loans. These loans can be applied for by submitting the FAFSA form online. These are awarded not on credit record basis but on a financial or academic merit basis, therefore these are most suitable. The interest rate of these loans is also very low. [link widoczny dla zalogowanych] Do you need cash for an unexpected expense? updated 11/6/2013

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