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Several key features make Stafford Loans appealing for educational financing: [link widoczny dla zalogowanych] Personal loans for poor credit can help you to raise money quickly if have bad credit or no credit. Many people who always had good credit have been affected by the economic downturn. They are facing uncertain employment prospects and are struggling to pay back debts. These problems have affected their credit scores. You will need to be at least 18 years old, have a steady job for six months, and make at least $1000.00 per month. Having all of this information handy can really speed up approval times.