There's a balance: You want to love them and do what you can, but you don't want to lose your job or drain your savings.

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Anytime an ad or a lender says, 'We're going to solve your problems' without saying, 'What are you going to do to solve your problems?' that's a warning sign. Look out for words like 'easy,' 'painless' and 'can't be turned down.' Those are danger signs.

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