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Here's what's ridiculous: well-meaning officials and activists trying to understand payday loans with a credit-card mentality. These are short term loans, they're not paid off over a year, or with monthly payments like a credit card is, anyone who takes out these loans understands this. People use these loans specifically because they don't have the luxury of a credit card with a nice, politically-correct APR. It's also ridiculous that even with one or even two jobs, some folks still need loans like these to make ends meet. And instead of addressing the need for a living wage, politicians would rather scrutinize the loans people sometimes need to get by. http://speedyloansearch.com/payday-loans/

From: Legislators not finding easy answers to payday lending

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