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If interest rates continue to rise, as the Federal Reserve has hinted, so will borrowersmonthly payments. In other words, if you continue to put the huge amount of miles on the vehilce, then the payoff would have to be almost $10k less than the actual value before it would make sense to turn it in and pay the mileage fee. You can put the squeeze on the non-depository lenders fairly quickly, but banks have plenty of capital available and they can simply bury these loans on the balance sheet and leak the losses out over time.

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