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BlackRose1992MC

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I have about $1350 of debt and a credit score of 544 its the first time I've been in debt

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Dude, It's just $1350. I suggest you pay it off asap. It's meaningless to leave it accumulating interest. If you feel short in cash, just ask your friends for a few bucks. If you have 5 friends and you get $200 from each, the interest is gone. I believe you can pay your friends back shortly.

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