Earlier this week, a friend of mine wrote about younger customers heading to pawnshops for quick cash, and just yesterday, I read about a 31-year-old's failed plan to rob a bank in order to pay off his loans. My personal mantra is to (i) stay out of debt (ii) clear off debts as fast as I can (iii) have enough cash savings so that I never have to resort to taking a loan. But recently, I've been looking at some loans for my sister to take, as we hope to pay off her tuition fee loan as quickly as possible in order to pay minimal interest to OCBC at almost 5%! I must admit, some of the promotions for the loans are attractive. Take a loan and get a freebie! (Don't forget that your so-called "freebie" is probably paid for in your interest rate). Here's some cash on loan, ......