When it comes to saving money, most of us think of the usual suspects—discounts, sales, coupons, and maybe the occasional rewards program. But every now and then, people stumble across even better: a loophole.

The interesting part? These loopholes aren’t shady or illegal; they’re just clever little workarounds that people have figured out and happily shared with the world. From getting your paycheck to clear a little faster, to scoring extra perks at McDonald’s, Reddit is full of stories that prove sometimes the smallest hacks can make the biggest difference.

So if you’ve ever wondered what loopholes every American should know about, you’re in for a treat. Some are smart, some are questionable, and others will make you wonder how you never thought of them yourself.

If you have student l

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