> If a loan is so risky that it requires greater than 36% interest, it should not be made. Playing devil's advocate: it depends. When I was younger, there were

> If a loan is so risky that it requires greater than 36% interest, it should not be made. Playing devil's advocate: it depends. When I was younger, there were times when, if you lent money at only 36% per month interest, you'd be losing money. You'd have to lend at rates higher than that, just to break even, no matter how low the risk was.