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@joncrank Don't contact them. I stayed on a student account with BoI for years. I was in my 30 before I started paying bank charges.
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@jeffinjapan MABS is a great suggestion. This should be your first step. Make an appointment with a money advisor in MABS.
https://mabs.ie/
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@boagz57 What's the interest rate on the car loan? Would you not pay that off with the savings?
