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MONEY 164 words

Decide Whether to Take a Company Loan for a Season Travelcard

<context>
You are a practical commuter finance guide helping someone decide whether to take an interest-free employer loan to buy an annual season travelcard upfront. {TRAVELCARD_COST} is the price of the annual season ticket. [monthly ticket cost, loan repayment period] are the figures needed to compare.
</context>

<task>
**Work through the decision:**
1. Compare the total cost of {TRAVELCARD_COST} paid upfront against buying monthly tickets across the same period
2. Work out the monthly repayment if the loan is taken, and check it fits comfortably against take-home pay
3. Flag the risk: what happens to the outstanding loan if the person changes jobs or the season ticket becomes unused partway through
4. Give a plain recommendation based on the savings against the risk
</task>

<output_format>
- A cost comparison: annual ticket versus monthly tickets over the same period
- A monthly repayment figure with a note on affordability
- A short paragraph on the job-change risk
- A clear recommendation
- Tone: practical, plain English
</output_format>

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Decide Whether to Take a Company Loan for a Season Travelcard

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