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I'm in the same boat as you. I have gotten declined due to "lack of experience" or have been approved for less than what I need to purchase my 1ss. I know my credit union that I have a note with currently will approve me, but their rates are 5%+. I'm looking for something a tad bit lower, but am having a hard time getting the amount and rate I want. Don't sweat it, us being younger we generally have to pay our dues(higher %) to establish a good history
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