With a high percentage of Americans who are living on paycheck-to-paycheck basis, many individuals have resorted to taking out extremely expensive payday loans. Debt Wave Credit Counseling which is a non-profit organization that provides personal-finance education and counseling nationwide lists some less expensive options to bridging the gap between paychecks The truth is that these payday lenders can be the most expensive loans on the market, often charging fees that equate to 300-1000% annual percentage rates. Thus in the following way Debt Wave Credit Counseling offers alternatives to Payday Loans.
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