Sometimes, it really f*ucks up to see people ruin their accounts this way.
The campaign in which the loan defaulter participated in actually is one of best signature campaigns in Bitcointalk. With that campaign and his rank, it takes about 3 months with actively posting to get $1000 and more, enough to have a full loan repayment.
Sorry for your loss, assume it's a loss, shasan.
You are right and the campaign on which the user was still active. So, there was no chance to earn less than 100$ per week. I can't imagine a healthy-minded person can act like Edwardard did.