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Pre-payment fee: If the EMIs are paid before the tenure, banks will normally charge the borrowers a pre-payment fee which will be in the range of 2--5 percent of the outstanding loan amount. Usually, pre-payment is permitted only after a certain period of the loan disbursal. Emergency aid is only available in extreme circumstances, and students will be expected to meet stringent criteria in order qualify. Typically, applicants must be full-time students, with an acceptable minimum GPA. Students applying for emergency aid will also be required to provide adequate documentation of the crisis leading to their need for emergency funds. The Bad: Benefits
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