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The 60-year-old new york resident had been behind on the electric bill and in short supply of cash to purchase gift suggestions on her grandchildren that 12 months, so she sent applications for a short-term “payday” loan. That blunder locked Monti into a period of twice-monthly borrowing that eventually cost her $1,780 to settle $700 in loans -- compliment of a fruitful yearly interest surp...
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