This is whats wrong with our country now,why we're in so much debt! Alot of people doesn't need loans to "survive",they need to learn what a budget is,managment,and more work! The only things you should need a loan for unless youre rich and have enough cash money,are college,buying a house,property,and,or a car and thats it! Even a wedding isn't worth having any kinda debt for!! lol