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In this economy, consumers appear to be avoiding large cash outlays and refraining from putting large purchases on their credit cards, said Albert Kohut, ColorTymes vice president of operations.
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On the plus side APR are also less exorbitant on bad credit loans with a co-signer.
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New Mexico's attorney general cracked down, filing suits against two lenders, charging in court documents that their long-term products were "unconscionable.
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Basically, I view them as the student finance equivalent of Wonga or other payday lenders.
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