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3 beds 2 sets meja kursi school a. SMA 9000 Rp A mo pendaftatan ulang 40,000 B. SMP 1550 Rp + 31, 500 No problem he says in school fees (See loan hist. for perbaikon rumah) No major health expenses Benefit: can pay school fees Can pay electricity 5 yrs ago better off- Higher school fees now- Not sure if want to borrow again