Some comments are discussing doing this to a 18 year old, but it seems to me she is saying this happened in her 4th year. So really it would be when she was 21-

Some comments are discussing doing this to a 18 year old, but it seems to me she is saying this happened in her 4th year. So really it would be when she was 21-22. Not to defend predatory lending, but let's be a little more intellectually honest.