When the people get a job in Gulf, normally the companies pay for the visa and ticket. Why then should these people borrow such large sums of money ? Who is collecting this money and for what ? Govt. should look into this money collection business first. Some time back, there was a big media coverage on how TDS MLAs/MPs misused their position to send people abroad. One travel agent was arrested (live on TV). Looks like Govt. is busy helping these people and how will they find time for the poor Gulf returnees.