What a load of crap! What a surprise, credit cards charge interest. Students are bad with money! Short Term Loans are a bad idea. Besides the fact there is no real insight in this movie, it is cheap looking, the sound is horrible, and they jump from idea to idea without offering any concluding thought. There is a lot of corruption in the money lending industry and this is a large scale problem in North America. This movie gives you nothing that opening your credit card statement can't already give you. I am all for documentaries, but this looks like it was thrown together on a weekend by a community college instructor with music by a local dinner theatre. If you want to prevent yourself from going into debt, save the $4.00 you'd spend on renting this garbage.