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Irrespective of what they are and what they do, anybody can be in need of money at one point or the other. With cost of living increasing day by day at such a speed, life certainly becomes difficult living on paychecks to paychecks. The most affected are the lower-income groups who more often get into debt trap and struggle hard to meet up with the daily expenses and repay the debt. It is obvious that when their regular paychecks are…