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I'm 20, I know money, I have had no loan for the last 2 years, this is my first student loan, the intrest is good, I have a good job (where over the summer when I work full time I will earn enough in 6 weeks to pay of my student loan for the year) and I want a 360. Why the F**k are you trying to ruin it for me, youre being really petty gazz.