Du httest ein Argument wenn schwere Verletzungen frher seltener gwesen wren . Waren sie aber nicht . Auch damals gab es dieselben Extremflle . Sogar deutlich hufiger als heute . Deine Theorie entbehrt jeder Grundlage . <| sep |> You can get some kind of hardship arrangementdeal with gem with a way way lower interest rate . I can ' t remember what the rate was but I believe it was under 10 %. You can also probably come to some agreement about payments . We have actually done this , I just cant recall all the details . It made a 78 k debt manageable . Wasn ' t very hard to get it sorted either , they ' re actually pretty helpful . <| sep |> Oh look at people misusing the downvote button . downvote if it doesn ' t contribute to the discussion