🔧 Small Loan Psychology: Why Devs Misjudge Borrowing Costs

Imagine launching a side project, needing just a few thousand dollars to bridge a gap, and thinking, "It's a small loan, how bad can it be?" A small loan, typically under $10,000 and often short-term, seems straightforward. Yet, for developers and indie hackers, the decision to borrow is frequently clouded by specific cognitive biases, leading to...