I've got the pay stubs, the tax returns, the bank statements all lined up in a neat folder. But when I actually have to decide whether this person can pay us back, my mind goes blank. Collecting the paperwork is the easy part; the judgment call is the thing I can't seem to make.
More people experience this than they realize.
You can collect all the documents, but actually judging whether someone can repay eludes you.
If this sounds familiar, the Library can help you find the bigger picture.