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Loans are a type of financial aid, which are given to those who need money to pay for college or other educational expenses, to help cover emergency expenses, or to help meet other financial needs. A loan is a form of debt, which must be repaid.

Borrowing is a way to get money for expenses, for example, if you are looking to buy a new car you can use a loan to pay for the down payment. Borrowing is also used to make up for a lack of income. 

Borrowing can be a risky business, because you never know what can happen to you and your money. However, there is a lot that you can do to protect yourself. It is important to know what you can and cannot do when borrowing money. You should make sure that you know how much you can repay and what your monthly payment will be. 

You should also be aware of the fees and the terms of the loan. You should also be aware of what you can and cannot do when borrowing money. Borrowing is a risky business and you should be aware of all the risks that you are taking.