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elharo comments on Open Thread, June 2-15, 2013 - Less Wrong Discussion
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It depends on the terms of the loan. Some loans may allow you to skip payments if you're ahead. Most I've seen don't though. But either way, if you need $5000 cash right now because your significant other ran their car into someone's living room and you need to pay bail and a lawyer, or the levees are collapsing and you have to split town, you can't get the $5000 back from an early repaid loan.