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It will be absolutely essential to rid ourselves of this finance greed if the ITC is allowed to expire.
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There may be some borrowers who would benefit from additional cash out from a refinancing, or who benefit from small additional time before the next payment is due that a refinancing may provide.
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Instead, to assess her own ability to repay, the consumer would have to assess, at a time of high need and high stress, what level of recent expenditures she could eliminate or reduce, and what additional income she could bring in, immediately and for the full term of the loan.
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At the lender's request, the consumer comes into the store and makes the full payment in cash withdrawn from the consumer's account.
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