Ufff my friend what a complicated issue loans, I totally understand the need for one to have that money but at least here in Argentina to borrow money is crazy even if the interest rate they give you is good for economic issues of the country that number can go through the roof. In part the school where one studied has to teach us how to handle economic issues but when this happens it is our role to inform us but sometimes one is so needy and in a hurry that takes these decisions, when something is so good one should hesitate or be cautious but hey you have learned a lot and this experience you tell us I have no doubt that will serve someone else.