With the prospects of economic come back in the year 2010, the financial clients in the United States are awaiting the period with zeal. It is likely that due to the preceding harsh times they have undergone, some are thirst to borrow. Unemployment and reduced business turnovers have lead to clients being barred from acquiring loans. Many clients will be tempted to rush for loans but this could be untimely and detrimental to their financial stability especially in the first stage of the recovery. There are a number of factors that borrowers need to have in mind. These range from over borrowing, multiple borrowing, slow recoveries, competing financial companies, unstable loan rates among others.