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Take out my first loan. roughly looking to take one out for 3 years. i understand its going to be hard what with a poor credit rating (i have one credit card, rarely use it, and if i do pay it up asap). if i was to take a loan out with a higher interest rate.. after a year would i be able to swap loans to a lower interest rate loan? or would this be expensive? or not worth it. any help would be great! thanks!

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