well I got an offer for credit insurance "cash this $15 check and you're signed up free for a month!" which promisesNO payments & NO interest charged (so they say) if you have one of these issues (laid off, etc.). It is tempting, because their maximum monthly fee is less than my monthly interest on this big loan (13K at 3.9 for life). But I'll probably just take the $15 & then get rid of it.joycets
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