Thank God such relief is available. Wait, interest rates are SO high that debtors need to keep taking loans to cover their past loan costs. This vicious circle of debt with such high interest should be outlawed. The Lenders borrow from the banking system at less than 1% interest then they make loans at 20%, 30%, or higher. Consumers, having no other option must re-up their loans. Some blame the consumer for getting in such financial straits, but we aren’t talking about budgeting here. This is usury. Comments?