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Concern: how times that are many a debtor roll over that loan?
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Rolling over or refinancing financing implies that the debtor will pay a cost to back delay paying the loan. The cost will not reduce steadily the principal owed. The borrower will have paid four $66 fees and will still owe $300 to the lender for example, if a borrower rolls over a $300 loan in Texas (where fees on the loan are $22 for every $100 borrowed) three times.
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