Well, you have a job, right? That's where the money comes from. Lenders use your credit rating, income, length of employment, age, and other factors in determin

Well, you have a job, right? That's where the money comes from. Lenders use your credit rating, income, length of employment, age, and other factors in determining a loan's risk. You budget $X per month for your loan repayment, and you repay it. Three years later, you have repaid the entire loan, plus the $900 interest, and everything is square.