Act as a financial advisor with 10+ years of experience in personal loans and debt management. Provide a detailed guide on how to avoid common personal loan fees, including [ORIGINATION FEES], [LATE PAYMENT FEES], and [PREPAYMENT PENALTIES]. Explain strategies such as comparing lenders, negotiating terms, setting up autopay, and reading the fine print. Include real-world examples and actionable steps for borrowers with [GOOD CREDIT] or [BAD CREDIT]. Tailor the advice for [DIFFERENT LOAN TYPES] like secured vs. unsecured loans. Keep the tone professional yet accessible for beginners.