I tend to look at the whole picture.  

(We're both playing devil's advocate here because I'm a lender and, if I recall from your previous posts, you tend to be a borrower.)There is certainly predatory borrowing (semi-random applicable link from 2011), but I don't think that's the bulk of "where the action is" when it comes to what we are seeing with student loans. 

People tend to use showers way more than tubs.  

While it's not unusual that places like Lowes/Home Depot will routinely offer appliance sales at 10 to 30 percent off year round,  you'll typically find reductions at 40 percent off during Black Friday.I tend to use Lowes/Home Depot routinely for the free delivery and also because I purchase using 10 percent off coupons and gift cards as payment.Some landlords will wait until January and pick up great used appliances from craigslist (replaced with Christmas presents of new appliances) but honestly, my days of picking up and hauling appliances around are long over!

@Brian Burke tends to know more about this stuff than I do too because he has more experience.  

Tenants tend to use the cheapest thing possible.

Others tend to freak out about the seasonality, lol -- Different strokes for different folks! 

From what I see in my county (Saratoga), the population tends to skew a bit older. 

As much as all the things that you tend to control and encounter on a daily bases. 

I find thermostats don't always work out because rooms are used differently and people have different opinions about what is warm and what is too cold, so I tend to stick with what is there.