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Create heavy debts

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-falling into the abyss of 're-borrowing'

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if the interest-free repayment period expired and the borrower still cannot repay the money, there will have huge financial  pressure and may lower the living standard of borrowers' family

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If the borrower cannot pay the money , his / her family may need to help to pay the left over money.

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Falling to afford high interest

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His family may have to pay back those heavy debt and money for him.

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causing trouble to the guarantor

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fail to pay the debt and pay go bankruptcy

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The borrowers friends and families will be worried about the borrower and will need to pay for them

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May have a accumulate debt

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if you cannot repay on time, you need to pay legal responsibility. (answer of Part 1)

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the borrower may ask their friends or family for help to pay the debts which causes a financial burden to them.

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Need to use their money to repay the loan

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Family:quality of life may different.The expenditure of family may be lower for saving money.

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mentally stressed and drained
might make more wrong decisions ?