held the original subprime loan at 25%, Diana? Was it Ford Credit or GMAC? Because I also had a truck financed with a local crap finance company in 2005 at 26% interest because I couldn't qualify for a better loan rate (I was on a fixed income, divorced, no co-signer available locally, and had a hospital bill that wasn't paid in full yet). I never said the subprime loans weren't still being made....I said they weren't usually being offered by Ford or GM, and I said that the credit scores were raised AFTER 2007 when the housing bubble hit. Now they are being lowered again.....in order to boost car sales figures. AND YES, BO IS DEFINITELY BENEFITING FROM THAT....he HAS bragged (remember the bumper sticker "GM is alive and OBL is dead) about their record profits and taking credit for it because of the stimulus when in fact, the record sales are coming from subprime loans. One hand washes the other when it comes to BO and the Unions.