Loans are a bad idea. Terribly bad idea. It's pretty much agreeing for money now and getting robbed of it later on. Fucked up. Don't forget needing a credit score if you're trying to buy anything that isn't out right or in cold hard cash. With the amount of government standard tax on everything you but it would be very interesting to see exactly how much a single person in their lifetime pays in just that. I think each and ever single legal purchase and receipts kept should count towards a credit score.
