this is a novel thought. You borrow money from somebody, some entity, and actually try to pay it back. Observe these threads and see how the borrower is vindicated in every circumstance. Poor guy was force-fed a loan he couldn't pay back. Poor guy. The paperwork was so confusing. If you are an adult, and can't figure out what your mortgage payment is from 60 pages of loan documents - ahhh, you got problems. Well, GWB and Secretary Paulson, Ben Bernacke, Dick Cheney, John McCain and Sarah Palin should have been available to review your budget with you. Those soms-a-bitches. those ultra-wealthy Wall Street gazillionaires shoulda taken care of that. Why should I pay them rich dudes back? Hell, they knew I couldn't afford that payment. You're damn right they should have known that. Because you aren't responsible for your own payments!! How silly. The days of personal responsibility are gone. Its so evident on this board.