Interest charged from the borrowers also seems a reasonable 
one for the borrowers opting for this solution. Headlines say 
that nations are mired in debts, and editorials criticize the "irresponsible borrowers", 
"reckless lenders" and even today's "consumerist culture" is sometimes held responsible for it.
Specifically, personal loans for poor credit are now offered 
and provided to people with bad credit scores.