hmmm...it is actually a sad reality for us..oo we tend to loan but it is because we need it...for our family and even our work itself...being a teacher requires us to spend money of our own just for us to do our job right. we need laptops, printer, tv, etc...kung walang donors, kami bumibili...so san kami kukuha ng source? eh di magloloan...panu kung my family ka na na sinusupport? my college students ka? san kukuha ng pang.tuition?...sorry po @creyestxsa94...I need to speak also...kasi kahit ako may loan din...❤