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05, with a total payback degree of $1,800.93 which including the 3% cost compensated in the loan total, would have a total cost of $255.93. Consultant 19.ninety nine% APR. For those who borrowed $five,000 more than a 38 month time period and the loan had an 6% origination rate ($three hundred), your month-to-month repayments can be $182.seventy fou