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ascii art of a tiny kitten :kirby_star2:
the thing about loans is you're not actually supposed to pay on time, you're an investment and if you're just bad enough at paying they make the most money
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ascii art of a tiny kitten :kirby_star2:
that's why your credit score actually goes down if you pay off a loan
ascii art of a tiny kitten :kirby_star2:
credit scores purely measure how good of an investment you are, not how good you are at paying or adulting
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