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whats up everybody Im Logan Alec this is the money done right show and today Im going to share with you eight ways to legally get out of a bad payday loan payday loans might sound like a good idea when you need them however they can leave you stuck in a cycle of debt thanks to their sky-high interest rates and fees if you feel trapped in a cycle of bad payday loans take comfort in the fact that youre not alone major it loves company right roughly twelve million Americans use payday loans each year losing about nine billion dollars to loan fees but it may surprise you to learn that there are at least eight ways to legally get out of the bad payday loan before we get into those specifics though lets talk about what a pity loan actually is payday loans are extremely short-term loans and as the name implies they usually need to be repaid by your next payday these loans are typically the only source of short-term credit for millions of people payday lenders dont even check your credit