In the year 2002, Skyler wanted to purchase a house. As she did not have sufficient funds, she decided to

In the year 2002, Skyler wanted to purchase a house. As she did not have sufficient funds, she decided to take a loan. Given her low credit score, it was highly unlikely that she would be able to repay the borrowed money. However, she was able to secure a loan despite her reduced ability to repay the loan. Skyler most likely applied for a _____.


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