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"Where Does the Money Go?"

Paying with borrowed money is pretty much the same—no matter what kind of transaction it is—because somebody else's money is covering cost of training. Since the money mostly goes to the training provider rather than passing through your own bank account, for those sums of money that you do hold back to spend yourself—primarily for exams, books, and practice tests—exercise restraint. Remember: You borrowed that money for a specific reason, so don't short yourself by spending any of it on something else. It would be a real shame if you couldn't finish the certification that's supposed to pay off the loan just because you couldn't pay for an exam or arm yourself with the right kinds of preparation materials.

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