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<p>Overruled: reality!</p>
<p>Have you ever tried to get a bank to loan you even $5,000 (much less a total of $40,000) with a part-time job, no credit history and no assets for collateral? Go ahead. Try it, I dare you. Give them your brilliant plan for repayment.</p>
<p>Hint: The loan officer would laugh you right out of their office.</p>