I wrote about this earlier. You left out those loans against cars. My niece is in a bad situation. A lot of it is her fault and my sister would help her out. My sister was killed in a car wreck and now it's left up to me to help. She's killing me with her needs because she has a ten year old at home. She does use bad judgement but now that she's in the hole she can't get out. We have no public transportation and she has no car. When she has a car she doesn't take car of it. She messes around at work and gets fired. she went to jail because she didn't pay fines. It goes on and on. But now she is lucky to make rent and I don't know how she will ever own a car again. she gets a small amount of food stamps. She's up against the wall now. I'm afraid she and her son will end up on the streets.