Why do the poorest of the poor fall into a debt trap?

Due to the high-interest rate charged by the money lenders

The poor do not get the opportunity to educate themselves due to a lack of resources. Thus, end up borrowing money from the wrong sources. Due to unawareness, they borrow money from moneylenders, who charge high rates of interest that lead them into chronic indebtedness and eventually fall into a debt trap.