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The consumer may then end up falling behind on payments under major financial obligations, being unable to meet basic living expenses, or borrowing additional consumer credit.

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Low credit scores are common, she and other former employees said, but World teaches its employees to home in on something else: whether at least some small portion of the borrower's monthly income isn't already being consumed by other debts.

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Dont feel bad — it might not even make sense with a 24K job or a 36K job!

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Some personal loans have variable interest rates, meaning they can go up or down.