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Most states have usury laws which limit a year by year rate to 30% or under of all loans. Currently Payday stores slip by by proclaiming that loans are paid off in 14 days so no violation has occurred and that they are providing a much needed service to some people that have no where else to go. True, it is possible to still take out payday loan for this type of events, but as much as possible, it's advisable to just save aside for the kids. You do not need your debt to gather, would you? Events that come under this category are usually the home or apartment rent, car payment bills, or other such bills where there is a fixed repayment plan set up.
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