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If you routinely use payday loans to make ends meet, you may need to seek additional financial help or education. Payday loans can put you on a never-ending debt treadmill if used irresponsibly, which can end up costing you thousands of dollars in extra fees. See to it that you are taking the proof of.But payday loans have proved controversial over the past few years due to the high interest rates charged and the tactics employed by payday lenders Finally, another quick way to avoid taking out a payday loan is to borrow from family or friends.