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() Let's say I have been charging what you said, $3000 a month for a year. I now owe $36,000 less payments plus interest.
In fact, way more than the original loan most likely
Now in January I charge only $1500 thus I now owe $37,500
How did that reduce my deficit? 
Here, in only 10 short words:
NCR ~ Excellent, Larry...
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