Depending on a loan is risky ooo, especially if it's something that you'll pay back over the course of a number of years. Loans should never be for day to day doings. If the loan isn't to make more money, or to cater to an unavoidable emergency, then just back off! You'll be saving yourself a lot of heart ache.
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Exactly, majority of money lenders have a way of presenting loan as a solution to financial issues. Since their own is to make profit they don't mind if people get trapped in a circle of debt for the rest of their lives.