this post was submitted on 09 Oct 2025
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They're not. They exist for a very good reason, and are purely beneficial to people who repay what they borrow. They only 'hurt' people who don't repay their debts, but only insofar as it makes it more difficult for them to take more money from people that they then also won't pay back.
That's why my credit score went down when I paid off my student loans, right? Get the fuck outta here.
They also hurt people who are the most responsible with their credit. They ding you on your score if you don't carry a balance on your card.