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Friday, April 18, 2014. It is true that payday loans. Frequent payday loans are signs of ongoing struggles. For the most part, when a person has a functioning budget, the only interaction they have with payday loan direct lenders is reading about them in the news. These folks have been able to manage their income well or at least controlled the damage from too much outstanding debt. The balance between earning and spending evens out by the end of month.