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Open a bank account, and start saving for the emergency rather than operating to overpay the student loan. Member countries finance the bank and vote on whether or not to approve roughly $65 billion in annual loans, grants and other investments. For that reason, regardless of whether a lender applies the AFR, zero interest rate or a price below the AFR, they will pay the same taxes since the IRS will consider the taxes that should have been paid if the loan was charged at the AFR rate.
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