You're telling me. I signed on hoping to do three or four loans per month and am now up to 40!!! But i can quit at any time. Oh well just one more loan will not hurt. Seriously, Kiva is a low to no cost way to do a world (literally) of good. Today, every $1,000 you invest in Kiva means you lose after taxes around $7 in interest. So $5,000 in loan outstanding, cost about $3 per month!!!