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Just in time for school, 121 Financial Credit Union in Jacksonville, Fla., is offering short-term loans of $500 to $2,500 at 8% fixed rate to its members across northeast Florida.

The Back-to-School loans are for 12 months, so payments would not be too large and the notes would be paid off by the beginning of the next school year. There are no restrictions on how the money is to be used, the $421 million CU said.

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