Borrowing money is something that most people will do at some point in their lives. Whether it is to afford some big purchase that is too large for your monthly paid check, or for some kind of debt that you have incurred and now have to pay back, borrowing money happens all the time and to everyone around the world.
Especailly in the United States, borrowing money has become a way of life over the past decades. Millions of people own credit cards and frankly could not imagine their lives without them. Houses and other large purchases are pretty much always financed via credit, and even the weekly shopping spree tends to be paid for via credit cards. In other words, borrowing money happens constantly. This is why it is only understandable that those people who know how to borrow money cheaply tend to better of than those who do not.