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ously delinquent on their credit card during the next year.19. Half of payday borrowers default in the first year of use. Researchers at Vanderbilt and the University of Pennsylvania examined a large sample of payday loan files at a Texas payday lender and found that over half (54%) of borrowers defaulted on their payday 

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Mar 14, 2018 LUBBOCK, Texas -. By many accounts they are considered predatory, trapping borrowers in a vicious cycle that usually ends with them paying more in fees than originally received in loans. According to the Pew Charitable Trusts, the average payday loan borrower is in debt five months of the year.