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During and after the SBREFA process, the Bureau was considering two options, one of which would have allowed three-loan sequences with a subsequent off-ramp stage for consumers who had not been able to repay the principal, and one that would have required principal step-downs similar to the approach the Bureau is now proposing.
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You may not want to withdraw funds from savings or put a purchase on a credit card offered by someone else at a higher annual percentage rate.