- 01 Understand the repayment schedule.
- 02 Review APR and all applicable fees.
- 03 Borrow only what you can reasonably repay.
- 04 Check whether alternatives may be available.
- 05 Read the complete loan agreement.
- 06 Verify the provider and its terms.
- 07 Be cautious of requests for upfront payment.
- 08 Never submit information to an untrusted party.
For a deeper walkthrough of each of these, see our full guide to responsible borrowing.
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