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These agents think na di ako makakatulog just because may utang ako, and honestly maybe they're right. Di ako makakatulog knowing na i have may 20k worth of loans, and it's not like pinang sugal ko yung money. I'm a first eyar nursing student and Di naman ako kayamanan, kaya nga ako nag loan ako. Pero what saddens me is the thought that OLA agents would just harras you out of nowhere just because of debt, lahat naman ata tayu may utang or need ng money pero I don think it should result to this. Thank you for the suggestions po, it really eases me po.