What aspect of predatory lending tactics is notably harmful to borrowers?

High fees and interest rates are particularly harmful to borrowers as they significantly increase the overall cost of borrowing. Predatory lenders often impose exorbitant fees and interest rates, which can lead borrowers into a cycle of debt that is difficult to escape. This disproportionate financial burden can hinder borrowers' ability to make timely payments, resulting in late fees, increased debt, and potential foreclosure.

In contrast, predictable payment schedules, transparent loan agreements, and fixed terms and conditions generally promote fair lending practices. These elements help borrowers understand their repayment obligations and ensure they are not subject to unexpected charges or terms that could further complicate their financial situation. High fees and interest rates, however, exploit vulnerable borrowers, making them the hallmark of predatory lending practices.