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Financial upkeep Special To The Star-news | Sat, May 05 2012 12:00 PM

For many, the answer to a financial dilemma can come from asking the right questions. To help, a public interest organization has come up with four quarterly booklets, with worksheets and self-assessment information, for those considering personal loans.

The first, “Understanding Personal Loans,” helps potential borrowers find answers to six important questions:

• Is a personal loan for me?

• Can I afford a loan?

• What happens when I apply?

• What happens if I’m late with a payment?

• What terms should I understand before taking out a loan?

• Which laws protect me?

This financial literacy initiative that aims to educate the more than 30 million underbanked households in the U.S. about short-term, small-dollar loans was launched by the American Financial Services Association Education Foundation. The materials are online at www.afsaef.org/personalloans101. Printed versions are available from the American Financial Services Association Education Foundation, 919 Eighteenth Street, NW, Suite 300, Washington, DC, 20006-5517; (202) 466-8611.

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