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Thus, at least certain types of covered long term loans carry with them a high degree of risk that if the payment proves unaffordable the consumer will still be forced to pay the loan and will incur penalties, such as late fees or shut-off fees on other obligations, or face legal action, such as eviction.
Employee benefits include employer-sponsored health insurance plans, flexible health spending accounts, employer-matched 401(k) plans and low-cost health center memberships.