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They further argue that it would be unfair to third world countries that managed their credit successfully, or do not go into debt in the first place. That is, it actively encourages third world governments to overspend in order to receive debt relief in the future. Others argue against the conditionalities attached to debt relief. These conditions of structural adjustment have a history, especially in Latin America, of widening the gap between the rich and the poor, as well as increasing economic dependence on the global North. In the United States of America for the years preceding the Financial crisis of 2007–2008, non housing personal debt auto loans, credit cards, student loans, etc. rose significantly from approximately $2. Read More

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loan settlement overpayment

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