Have you ever had to take a loan?

I'm considering it. I know I can pay it back I just feel like it might help me to have the cash upfront then pay it back with the lump sums I should be getting.
So Im not rationing so to speak my money.

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Musicman · 61-69, M

Yes I have. The only part I don't like is the "lump sums I should be getting". Should be is not a guarantee. What if they are delayed? Would you still be able to make your payments? If you can't make your payments what happens then?