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How to judge a plan without getting fooled Use this checklist before you agree to anything: Check the APR first because that's the fastest way to compare offers Read the repayment term since a longer term lowers the monthly figure but can increase the total cost Ask what happens after any promo period especially if the plan mentions deferred interest Look at total paid rather than fixating on one monthly number A good mental model is the same one you'd use with any major borrowing

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