Tag: predatory lending
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Parent PLUS loans are predatory and the government is the predator
Parent PLUS loans approve almost anyone, charge punishing rates, and trap families in debt they can’t discharge. Call it what it is: federal predatory lending.
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Reverse mortgages are predatory, full stop
Marketing paints reverse mortgages as a tool for retirees, but the fees, terms, and outcomes tell a different story. Here’s why most homeowners should walk away.
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Beyond FICO: the alternative data powering AI-driven payday lending
Modern payday lenders aren’t just checking your credit score. They’re scoring your bank transactions, rent history, and phone metadata. Here’s how it works.
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Personalized loan terms: how AI is customizing interest rates and repayment schedules
AI-driven dynamic pricing now sets your APR based on dozens of behavioral signals. The customization sounds helpful — but it’s also how predatory lending hides.