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For example, you might have 3 or 4 different student loans by the time you graduate college (one for every year you went to school).

Photos crashed, I restarted it and it resumed at that same point.

For example, when you consolidate certain types of loans, you might accidentally disqualify yourself for certain types of student loan repayment programs.

Or, if you're not careful, you could end up paying more on your new consolidation loan than you would have with each individual loan.

That began a week long (ongoing process) that goes like this: every 5-30 minutes, Photos pops up asking for permission to access one of the folders in the referenced library (which has Year/Month/Day subfolders). Occasionally, it finds an image it can't locate, I show it where it is and most of the time it returns an error.

The rest of the time, it keeps moving along, but at a snail's pace: after a week, it has consolidated about 4,000 of the 110,000 photos.