However, the Internet Age has allowed a new frontier of 
lenders to come into the scene. 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. These citizens are deemed as high 
risk borrowers and most of the banks or financial institutes are hesitant to lend them money.