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Of course you have no obligation to actually take the loan we find for you if you don't want to. It is totally up to you to decide if the terms of the loan are what you want and are looking for. If youâre married, you have a choice: You can either take the benefit based on your work history, or half your spouseâs benefit. So if your spouse earned a lot more than you did, and has a higher benefit as a result, compare and see which will pay the most. Customer-friendly and safe;