I’m not one to take loans. As a matter of fact, I try my best to avoid it because if there is something that terrifies me the most, it is taking someone else’s money and being unable to pay it back. Be they individuals or companies, I’ve seen the lengths people have gone to just to take their money back, I’ve also seen the embarrassment and disrespect people have been forced to endure simply because they’re debtors. So, I try my best just to stay out of it.