Jake Hill

Jake Hill is the Founder of DebtHammer and geeks out on personal finance, living debt-free, and data science. Outside of work, you can find him playing with his dog, staying active, writing sports algorithms, and enjoying the great city of Austin.

Indiana Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2021]

If the world were to end in nuclear armageddon, the only things left would be roaches, Twinkies, and payday lenders. The payday loan industry refuses to die out, even though humanity has been fighting usurious lending since at least the early days of Mesopotamia. Across modern-day America, the battle is still ongoing. Each state government …

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Georgia Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2021]

Statistics updated as of: February 10th, 2021 Payday loans are still alive and well in many parts of America. Across the country, 12 million people still use them each year.[1] Because each state government has the power to regulate the industry within their borders, there are 50 distinct rulesets that range from complete prohibition to …

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Payday loan calculator

Payday loans are short-term, high-interest loans for typically under $1,000 that are designed to be paid back on the borrower’s next payday. Advertised as a short-term solution for unexpected expenses such as vehicle repair or an upsurge in utility bills, payday loans are regularly used to deal with recurring expenses or to pay off credit …

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Everything you need to know about predatory online payday lending

Predatory lending is a $25 billion problem that perpetuates poverty and the socioeconomic victimization of many Americans. Payday loans specifically ― which are inherently predatory ― cost borrowers between $2.6 billion and $3.5 billion in fees annually.  Although the payday loan industry is dominated by brick and mortar lenders, online lenders are an emerging player …

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