test.md

Happy Path', "- Loan Disbursement : Borrower's loan application is approved", '- Regular Loan Repayment : Borrower makes a scheduled payment on their loan', '- Early Loan Repayment : Borrower chooses to repay a portion or all of their loan before the scheduled date', '- Loan Term Completion : Borrower makes the final payment, fully repaying the loan', '- Interest Accrual : System calculates and adds interest to the loan balance at the end of each period', '#### Exception Path', '- Late Payment Fee : Borrower fails to make a scheduled payment by the due date', '- Loan Default : Borrower fails to repay the loan for an extended period, triggering default procedures', '- Loan Restructuring : Lender and borrower agree to modify loan terms due to financial hardship', '- Loan Write-Off : Lender determines the loan is uncollectible and writes it off as a loss', '- Collateral Liquidation : Lender seizes and sells collateral to recover funds from a defaulted loan