What are some foreseeable issues/dilemmas with taking out multiple loans or taking out a substantial loan?

Question 5 the poet protests against child labor and condemns the harm done to children exploited in this practice. yet in lines 23-24, the child narrator writes that “tho' the morning was cold, tom was happy and warm / so if all do their duty, they need not fear harm.” this is an ironic expression of the narrator’s