Loans are a normal part of my life, I feel comfortable with them, because I take the repayments very seriously and responsibly.  I only take out loans at Credit 9 and only take out loans for amounts I feel comfortable paying back.  There have been situations where one month I couldn't pay or paid less, but the next month I covered that amount.  So I may have overpaid some money on interest, but it never bothered me much. It might be hard for me in a month or two, considering there is no income right now.  I don't know what will happen in the future, but for now I'm fine.