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Disclaimer: Make Lemonade strives to keep information on our website accurate and updated. Please note that the rates and terms on our website are estimates and may change at any time and/or differ from your final rate and terms. For the most updated information, please review the full terms and conditions on the lender’s or credit card issuer’s website before you apply. All financial products and services are presented without warranty or guarantee. Credit cards featured on our website may not be available through our  partner or partners. The content and reviews on Make Lemonade are based solely on the author’s opinions, and is not provided, approved, endorsed or reviewed by any financial institution, bank, credit card issuer, hotel, airline or any partner or other entity. Our tools and calculators are for illustrative purposes only, are not guaranteed to be accurate, and do not constitute financial advice. The results and default figures shown in our tools and calculators are hypothetical and may not apply to your individual situation. Please consult a licensed financial professional before making any financial decision. We provide information through Make Lemonade for educational purposes only. We are not affiliated with or endorsed by the U.S. Department of Education or any other government agency.