Just remember, should a company sell one of these loans to a minority, and said minority defaults, that will be de facto proof of racist, predatory lending. Seller beware... apparently entering into a binding legal contract does not have the same ramificvations of your claim "ignorance" or "victimization".
One of my biggest complaints about schools these days is they do not teach squat about being financially responcible and prudent. To many people do not know enough to make an informed decision.