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It's not about banning new words, killing off long words or promoting completely perfect grammar. Nor is it about letting grammar slip. It is not an amateur's method ...
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The 0.25% AutoPay discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.
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As lenders do not publish their full lending and interest rate criteria, be wary of choosing a lender based solely on the fact that it appears to offer the lowest rate.