Why are we doing this? Mainly out of personal enthusiasm. Financial education in the USA is not at the best level and many people get into big problems where problems can be avoided at all. We will prepare you for all the unpleasant moments that may arise on your credit path, consider the most sensitive issues: how does prolongation work; what to do if you can not repay the loan; what to do if your loan was sold to collectors; how to increase the chances of getting a loan.