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Credit Counseling

How to Get Out of Payday Loan Debt – 7 Proven Steps to Regain Control

July 1, 2025 by Olivia Williamson
A man calculates bills and expenses at a desk while managing payday loan debt paperwork

Payday loan debt can feel impossible to escape, but there are proven, realistic ways to break the cycle. The most effective approach is to stop the borrowing spiral, contact your lenders directly to ask for extended payment plans, and use a mix of debt consolidation, nonprofit credit counseling, and strict budgeting. You do not need … Read more

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