“The rest would have to borrow, use a credit card or take out a personal loan.” Much bigger deal when interest rates were at 15% than now. They should scrub f

“The rest would have to borrow, use a credit card or take out a personal loan.” Much bigger deal when interest rates were at 15% than now. They should scrub from the data all those who could take out a home equity line of credit nowadays, or with family who could.