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We concur, partly, with the commenter with regard to the problems borrowers encounter throughout recertification. As we acknowledged from the IDR NPRM, The existing application and recertification processes create important difficulties for your Division and borrowers. As an answer, we feel that the

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It is worth noting that if you have an crisis fund or cash price savings, dipping into These methods is a much better choice than borrowing. If you need to borrow revenue within an unexpected emergency, There are some other avenues to explore.  Consumer support and ethics are still essential

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