[s73ver_]

I did read with good faith. Regardless of where you are, "Don't be in that situation" is not, nor never will be an appropriate response.

"There is little point answering the question - it has no good outcomes."

That's exactly why there is point in answering the question. It is a very real, very common situation that does actually occur. And that decision needs to be made many times.

"I offered a concrete suggestion for how an individual can help themselves and another for how they can try to help everyone."

You really didn't, as your suggestion is not applicable for the situation.

[gjjrfcbugxbhf]

My point is that instead of standing around crying about how terrible it is that people need to take predatory loans (and it is terrible) we should work out how we can change things so that they don't have to. My suggestion is to work with a proven mechanism - the welfare state.