Baker Federal Credit Union Our rates are now the lowest in the area! Call us today.          INTRODUCTION    SET PRIORITIES    START AT YOUR CREDIT UNION •    FIND THE RIGHT CAR    TEST DRIVE    NEGOTIATE    SEAL THE DEAL    DO'S & DON'TS What can you afford? What will a loan cost you? Some experts suggest all your monthly payments (rent or mortgage, auto, credit cards, student loans, and so on) should equal less than 40% of your gross (before taxes) income.

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