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No one is forced, gun to head, to take on loans like this. I've been financially desperate; been chronically hungry with $80 to cover living expenses for three months; there are still choices. One of them is not to borrow money on terrible terms when you know you have no hope of repaying it. I hope people coming out of bankruptcy would get some financial counseling to help them avoid stuff like this.
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The greatness of a nation and its moral progress can be judged by the way its animals are treated. - Ghandi 
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