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Till the time you are unable to earn more, you should reduce your expenses, so that you can afford to reduce and if you can earn more then it will be best
We need to pay all our loans on time as we all are aware that these cause a big penalty if we default in payment and will negatively impact our credit score too
We need to have a repayment plan and should make it mandatory to pay as per the repayment terms or before if the loan allows without any pre closure charges
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