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further help
If you require further help about borrowing you can:
Pick up leaflets at any Citizens Advice Centre or many libraries
Pick up leaflets in any bank on the high street
Have a look at internet sites that allow you to compare saving and borrowing rates, eg www.moneysupermarket.com
Ask for help at advice centres and/or Connexions
Have a look at the following website: www.youngscot.org
  Or ask the CAB at www.askcab.co.uk
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