Any debt is an encumbrance and annoying on the conscious of this individual carrying it. It has ever been a problem and persists to be rampant at the current society nowadays. The reasons could be anything but the answer has to be decent or at least helpful. The trend of running a company to aid people by lending money may have been a fantastic concept, but in the long term, it has been shown to become a killer in many cases. In a sane frame of mind it is simple to make conclusions and think beforehand into the long run but when faced with difficulty or a situation where money is desperately needed at such immediate decision becomes fuzzy or uncertain.