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  It seems like there may be a list of options missing from your question. Could you please provide the options you're referring to? That way, I can accurately identify which statement is true about a payday loan.

  Students can apply for a Direct Stafford Loan, a type of federal student loan, by following these steps: Complete the FAFSA : The first step in applying for a Direct Stafford Loan is to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA is used to determine your eligibility for federal student aid, including grants, work-study, and loans. You can fill out the FAFSA online at fafsa.ed.gov. Receive Financial Aid Offer : After you submit the FAFSA, your college or university will review your information and determine your eligibility for federal student aid. You will receive a financial aid offer from your school, which will detail the types and amounts of aid you are eligible to receive, including any Direct Stafford Loans. Accept the Loan : If you decide to accept a Direct Stafford Loan as part of your financial aid package, you will need to follow the instructions provided by your school to formally accept the loan. This may involve completing a loan acceptance

  If you did not reaffirm your car loan during bankruptcy proceedings, several potential scenarios might unfold: Continued Ownership and Payment : In some cases, you may continue to make payments on the car loan as usual. While the debt remains, the lender cannot repossess the car as long as you stay current on payments. However, this approach may not help rebuild your credit since the payments may not be reported to credit bureaus. Repossession : If you default on the loan, the lender may repossess the car. However, without a reaffirmation agreement, you won't be held personally liable for any remaining balance after repossession and sale of the vehicle. In some states, lenders are required to obtain a court order before repossessing a car during bankruptcy. No Reporting to Credit Bureaus : The lender may choose not to report your payments to credit bureaus if you didn't reaffirm the loan. As a result, your timely payments may not positively impact your credit score. Limited O