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It sounds like the rear springs could be worn out, possibly shocks also or it could have oversize tires on it causing the rubbing when loaded.
Do you have a spring/chassis shop who could look at it, diagnose the problem(s)? Get an estimate then decide if you want to handle it yourself or have them do the work.
The car is basically a Cougar/Mustang underneath, many replacement suspension parts are available.
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