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You need more facts - the loans may not be an even distribution across 50%; I expect loan support was skewed towards the upper part of the pyramid

Example - some staff may not have had loans/shares (eg; customer support, etc) and the loans may be for senior and up roles who have enough shares to worry about the high taxes on shares.

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I don’t understand though, the layoffs affected a third of the company and eng was involved, how could 33% of the workforce be laid off with over half taking loans lead to single digit people in this situation? Numbers don’t add up imo.

If the company was growing rapidly, then maybe 33% of the workforce hadn’t vested yet?

Yeah, if they laid off new folks who started less than a year ago, none of those people would have vested. And in a rapidly growing company, the new hires can be a big portion of the company.

And are typically the mostly likely to get laid off.

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