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References:

1. https://www.nidirect.gov.uk/articles/loans
2. https://fastpaths.com
3. http://www.businessinsider.com/americans-might-be-paying-their-debts-backwards-2017-5
4. http://www.bangkokpost.com/business/news/1251398/debt-clinic-to-pool-sour-loans-cultivate-borrower-discipline