Early Life and Education
Frederick Payne was born in Lewiston, Maine, to Frederick and Nellie (née Smart) Payne. He received his early education at public schools in his native city, graduating from Jordan High School. As a child, he worked as a newsboy, grocery clerk, theater usher, and dishwasher. He studied at the Bentley School of Accounting and Finance in Boston, Massachusetts, graduating in 1925.
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