Yeah i agree with azreal. I think the loaning BS is a big problem here. Too many players think its ok to borrow and then take them points into client trying(usually donking)for that big hit. Too many look at points as just points or as you put it "chips". Points add up to dollars, there not just "points".. Unless you knew you was going to do some free trials or buy points i dont understand why you took out a loan in the first place. Were they just to gamble with in client ? Sounds like you need to put ur big boy pants on and stomach it, earn them there points back and THEN take a step back and learn BRM before continuing on here. Ive been here for over a year and have never even had to think about getting a loan. You can sell ur $$ on the poker sites for points or you can buy points but before you go making a im done post(which is what this is basically) do what you need to do to pay off your debts..