| Value | Category |
|---|---|
| 1 | a. Cheaper than other sources |
| 2 | b. More convenient to get the money (less paperwork, requirements) |
| 3 | c. The repayment terms are easier to manage (not so strict on repayment amounts, timing) |
| 4 | d. It's the only option available/that I know of. |
| 5 | e. I simply could not pay landlord and/or utility provider |
| Missing value |
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