What you should be teaching is personal accountability rather than trying to make a profit off of consumers who don't have it. lay the facts to these people. Let them know that they are responsible for their behavior. And if they truly are in financial crisis then the last thing they need is another debt to pay.
Better to live without credit at all. You have arranged your life where you can do that right? if not you need to do so NOW so your not a wage slave.
When you're in debt, you're no longer a slave to the wage. You're a slave to the bank. Have you ever worked, elven? If you did, then you too were a slave of the wage - and it's nothing wrong with that, as long as it puts food on your table.
Another unneeded expense
Linear Mode
