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The Bureau believes that if payment of the largest required payment on the prior loan proved unaffordable, this unaffordability provides a strong basis for a presumption of unaffordability for a new covered longer-term loan with payments of a similar size.
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There are also requirements that you need to meet in order to qualify, which are posted on the site.
Legally, private loan lenders have no obligation to work with you and provide you a more favorable payment than what the loan note dictates.
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