“ Ensure that you do not make any hidden or additional payments to the lender.
Headlines say that nations are mired in debts, and editorials criticize
the "irresponsible borrowers", "reckless lenders" and even today's "consumerist culture"
is sometimes held responsible for it. These citizens are deemed as high risk
borrowers and most of the banks or financial institutes are hesitant to lend them money. ”