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Do I have to payoff my present military loan before I can reapply for additional money?

It depends on several factors. An important factor is the size of your present loan - if your present loan was a large loan, then at least 6 - 8 payments should be made prior to re-applying for a renewal. For smaller loans, at least one payment must be received, and then you can usually re-apply. In any case, if approved, the remaining balance on your existing loan will be refinanced and added to the new loan.

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