What does “Use of unassigned local variable” mean?

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The compiler isn’t smart enough to know that at least one of your if blocks will be executed. Therefore, it doesn’t see that variables like annualRate will be assigned no matter what. Here’s how you can make the compiler understand:

if (creditPlan == "0")
{
    // ...
}
else if (creditPlan == "1")
{
    // ...
}
else if (creditPlan == "2")
{
    // ...
}
else
{
    // ...
}

The compiler knows that with an if/else block, one of the blocks is guaranteed to be executed, and therefore if you’re assigning the variable in all of the blocks, it won’t give the compiler error.

By the way, you can also use a switch statement instead of ifs to maybe make your code cleaner.

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