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If she had to decide between basic necessities like gas and food and paying the loans, the choice, she finally realized, was easy.

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In 2011, the most recent year for which data are available, payday lenders in California charged an average annual percentage rate of 411 percent.

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Not 30 seconds later que the deluge of phone calls and emails.

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And that can go on and on as borrowers roll over their loans, or take out new ones to pay off old ones.

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Getting military loan approval, despite bad credit, on these low sums is not a problem, so long as up-to-date military ID is provided.

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If you receive Centrelink, they will look at how much and what type of payment you receive.