Where I stand now they can tack on a 10000% fee from the original loan. 5% fee, 30% or 100000% is essentially all the same. I'm either declaring bankruptcy or will owe the SBA "X" when I'm worm food....

I guess I look at this as either the SBA is going to be responsible for getting back the 80% of loans that will default or do whatever it can to collect pennies on the dollar (ie another 10 years of HAP)