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Rachel Moore was an optimistic, cheerful, friendly woman who had recently graduated with a bachelor’s degree in business management. She had used scholarships and grants while working 30 hours a week to make up the difference in tuition, and had graduated debt free—becoming the first in her family to earn a college education. After moving to start a full-time job a marketing manager at a marketing company, Rachel had recently been told that the house was being sold, so she had to move quickly. Rachel found an apartment within 10 minutes of her office and was set to move in two weeks. But she soon realized there were many things she needed in order to furnish the new apartment, and she estimated their cost to be $3,000. Although she had some savings from her new job, she knew it would not be enough. Rachel had been dating Michael, an investment banker, and they had discussed that she had no debt from college and that she had no credit. Michael had encouraged her to get a credit card, but she had been dragging her feet. She had always been taught that debt and credit cards were bad things and that she should always try to pay cash if possible. Rachel felt comfortable asking Michael his thoughts on what her options were for getting a loan for the furniture she needed. They decided to meet at his apartment so he could explain the various loans available to her.