Search Love & Money for the following word(s):Wall Street Journal -Aug 31, 2008Mr. Green says that his experience relying on student loans meant that "I quickly learned how to budget, refinance and consider the cost/benefit aspects of ... Many people dream of owning their own homes but only very few are able to pay cash for them. This is why FHA mortgages are one of the popular methods to find a source for consumer credit. People who could not otherwise afford to own a house become homeowners with the help of FHA mortgage insurance programs.