If you get caught in a scam where you end up more than a year's wages in debt, why do the banks insist on punishing you with massive loan payments anyway? I've even tried getting a grant to try killing the debt at least a little, but if I'm not suffering from terminal cancer or if I haven't served in Iraq or something, they won't help either. How does a man who just wants to clear scam debt get any help from a charity?