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Bonus office scene- Kevin shows you how to NOT use a personal loan. Personal loans aren’t “free money”—they come with real costs. In 2025 the average personal loan rate in the U.S. is about 12–17% APR, but depending on your credit score you could pay anywhere from ~6% up to ~36% or more. The average borrower balance is roughly $11.7K, and delinquency rates sit around ~3.5%. Know your rate before you borrow.
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