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    • Interest / fees
    Compare the rate with the total repayment

    A manageable installment can hide a costly long term. Which figures should sit side by side before a borrower accepts the schedule?

    • Multiple loans / repayment priority
    Rank several debts without adding another loan

    A complete list can make trade-offs visible before another application is considered. Which balances, dates, and essential expenses belong in that list?

    • Multiple loans / repayment priority
    Why the tapal cycle is hard to stop

    Using a new loan to cover an earlier one can shift the due date while increasing the total burden. Which first step can make the cycle visible?