A friend of a friend fell so far behind on rent that the apt complex put them on this kind of plan. So now, in addition to regular rent, they now have a 4k loan to pay back with interest. Knowing their situation, I’m sure that interest rate is north of 25%. Don’t feel bad for them though, they spend all their money on stupid shit, eating out, and alcohol and can’t hold down jobs. They are in the situation because they put themselves there.