35% seems pretty high, but I think you'd find that, far from being insane, the bottom portion of that range is right in line with what's typical for unsecured d

35% seems pretty high, but I think you'd find that, far from being insane, the bottom portion of that range is right in line with what's typical for unsecured debt. You can't really compare it to mortgages or car loans, because those are both secured by a collateral. You can't really compare it to student loans because it's impossible to get out from under a student loan. Either way, the debt is less risky for the lender, so they're willing to offer it for a lower rate.