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Though the interest rate is higher than with an adjustable-rate home loan, this type of home mortgage offers more security.
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Sometimes, Navient will take payments on a charged-off account with their Internal Recovery department, but if that were the type of payment plan you were on then it would not have been sent to a collector, it would have stayed with Navient Internal Recovery.
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Unsecured loans, such as personal loans, usually have higher interest rates than those that are secured, such as home equity lines of credit.
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