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In particular, the Bureau is concerned about the harmful impacts on consumers of the practice of making these loans without making a reasonable determination that the consumer can afford to repay the loan while paying for major financial obligations and basic living expenses.

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In addition, the Bureau notes that some current repayers may not actually be able to afford payments under the loans the currently are able to obtain, but end up repaying it nonetheless (rather than reborrowing or defaulting).

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You must hold an active bank account with direct deposit in their name.