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Do not count any income or money received as loan.

You must verify the value and repayment schedule of any loans.

For a one time loan, you may use a statement signed by both parties. The statement must indicate that the payment is a loan.

For recurring or repeated loans, you must obtain an affidavit from the lender explaining the payments are a loan or that the client must repay the loan according to an established repayment schedule.

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