READ THIS!!! You might, might feel sorry for these "cash-strapped NFL players" seeking high-risk loans.
CRY ME A F*****G RIVER!!
I've got a better idea - don't live your life three steps ahead. A $310,000 salary is now under the "cash-strapped" category? I would kill (OK, maybe just injure or threaten) to make $310,000 and would certainly be able to live within my means. If that means no million-dollar home, so be it.
Don't these guys have financial advisors? How much do those idiots make? Don't spend all your money on pleasure items - food, housing, clothes. That's all you need.
Don't go to the clubs and get $400 bottles of "Cristal":
Grow up and live within your means. And fire that advisor, he's killing you.