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Department of Education cannot ignore the interaction of race and student loans. This information can be provided by third parties, such as external credit scores, or it can be extracted from the platform itself, such as the grade assigned to each loan. The government can sue you at any time after your student loan has reached default status. Perkins Loans have a fixed interest rate of 5 percent regardless of the first disbursement date and are given to those with exceptional financial need. Typically, you won’t earn reward points for cash advances, unless a credit card comes with some kind of a promotional offer.

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