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I'm pretty sure most houses do not do payment plans first semster. I know my house it takes a while to process the payment plans applications and it has to go through a process that takes about a month. Since PNMs don't even get a bid until school starts I'm pretty sure houses don't do it because it's not possible. Of course there may be a few who do and that is something to ask them. If there are financial problems you need to ask and they will help you out!
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