international student loans 2025-11-04T19:02:37Z

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That familiar knot tightened in my stomach as I stared down Singapore's Orchard Road - a shimmering asphalt river choked with brake lights and impatient horns. My shirt clung to my back in the 95% humidity, each passing bus exhaling diesel-scented disappointment when its number didn't match mine. For years, this was my purgatory: 35 minutes average wait time according to transit authority signs that felt like cruel jokes. I'd developed a nervous tic of checking my watch every 90 seconds, calcula

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