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For you to have a free and clear title, and borrow money, and the interest that is charged. I almost lost my car. Never ever again. I had a friend do it, I warned him, he didn't listen. Struggled to pay it off. In the meantime. The people wouldn't work with him, in the beginning the nice and friendly goes away as soon as you sign at the X and sign hand over your title to you vehicle. People I've done it, my friend did it.