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A prepaid card does not need a credit check and once you have loaded money on to it you can use it like a debit card and some allow you to have your wages paid directly to it.
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Andrew Weber CSLC Hi Tana, this sounds like a federal student loan based on what you mentioned about the $5 a month to get out of default (which sounds like federal loan Rehabilitation) and taking your tax return (which is only possible for federal loans in default).
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