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At the age of 19 our client (Debbie – not real name) found herself struggling with her credit card payments when she lost her job. Her credit rating became impaired due to missed payments, default notices and her debts were increasing with ongoing interest. She then found out about payday loans, after applying for one she 

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Oct 2, 2010 Abstract. The payday loan industry is one of the fastest growing segments of the consumer financial services market in the United States. We design an environment similar to the one that payday loan customers face and then conduct a laboratory experiment to examine what effect, if any, the existence of