all the folks here with the stingy, mean spirited comments..  you all have 4..5 months of living expenses put away for an emergency. none of you are living paycheck to paycheck. none of you take some form of public assistance be it food stamps, energy assistance or some "credit" on your tax form...
  every one of you is pulling and has pulled your full load from the day you became a legal adult. none of you have ever defaulted on a loan.. gone bankrupt.