It's pretty simple. They just looked at total net income and total owed to creditors. Ran a quick credit report and copied both of our recent pay stubs and voila! Done! We are paying it back in 18 months at a very reasonable 7.5% interest.
Had to do this since the hospital wants their balance paid within 90 days even tho they got the biggest chunk already paid by the insurance company and wrote off a big wad for the insurance company. If I couldn't pay it in 90 days they had a loan program which charged 18% interest. The only bloodsuckers in that place aren't just in the lab! :eyes:
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