These loans are given with a relatively high interest rate versus the borrower's credit history. When the models are created they include a default rate. If they give enough of them then they will be profitable even if a few people decide not to pay.

It's sad to say but ultimately the extra few inches will make a difference in lifetime pay. Going from say, 5'8" to 5'11" is a great difference so to many it's a simple decision to do it. Short men do have a hard time in our society. Discrimination against them is so common that I don't think people can even perceive that they are doing it. Additionally, many become permanent butt of jokes which has to be hard on the ego.

Pretty desperate, isn't it. The plight of the short man isn't pretty.