Blueballs,
You made a fair response to to what was really just a heckle.
I don't believe that the government needs to tell me what I can and can't borrow.
Some people for instance might have the financial sense to manage a loan that someone with the same income may not.
Living in a free country allows us to make that decision ourselves.
If unsureof what one can really afford, the cost of professional help pales into insignificance as to the size of a loan.
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