why is it that the only way to get anyone to lend you money is to already have enough? I mean, if I didn't have so much debt, then I wouldn't need anyone to lend me any money. And if I made more money, I wouldn't need any one to lend me more money. The reason that I'd like to have someone lend me a significant amount of cash is because, well, I could really use a significant amount of cash. But no, my debt to income ratio is too high! Well, duh, that's why I need the money you jackass! So, really, if anyone out there has about $25k I could borrow to put a serious dent in that damn ratio, then please, let me know. Cause, honestly, I'm good for it.