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The answer to judiciously managing a bad credit personal loan is to work out the numbers and determine how soon you will be able to repay the borrowed amount. You should plan to borrow only the lowest amount you need in your situation and plan to make monthly payments that are higher than the minimum monthly payment required. The idea finally is to the sooner you are able to pay back your bad credit personal loan, the better it is for your financial future. On: July 31, 2014 Personal-Loan.com has some really great news to share with you. There are still plenty of lenders out there who are issuing loans to people with bad credit . These lenders specialize in handling people that have been the victim of identity theft and other credit damaging crimes, but no one knows how to find these lenders. Here is the good news! Personal-Loan.com not only knows how to find lenders that specialize in bad credit loans, but we can also put you directly in contact with them.