auto loan crisis 2025-10-27T21:51:23Z

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That Tuesday started with coffee fumes and ended in hydraulic fluid. I’d just pulled into my driveway when the car shuddered – a sickening gurgle under the hood. The mechanic’s verdict: "$1,200 by Friday or it’s scrap metal." Rain lashed the garage window as I mentally rifled through options. Credit cards maxed out. Bank loan? A 10-day approval circus requiring pay stubs I’d filed… somewhere. My knuckles whitened around the phone. This wasn’t just a repair; it was dominoes tipping toward evictio

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