Here is where you will find information that the general public is not aware of. Though most people would like to think that traditional lending institutions have their best interest at heart, that is usually not the case. Lending institutions are in the business of making money. Through APR rates, fees and even hidden charges, this mega business affects everyone the same irrespective of age, qualification or financial status. At some point in time, everyone from the college student, to the entrepreneur, to the government itself, will need a loan. The financial sector forms the single largest employer in the modern world and there are some valuable and simple tips and tricks about loans that need to be known.