The first payday loan that Sandy took out “was for $100, with an $18 fee.” Soon, she found herself with multiple loans, taking out new loans to pay off the fees due on her prior loans. Sandy became trapped in an all-too-common cycle of debt, paying $300 every two weeks on four different payday loans. She continued to borrow for months until she eventually “lost her job and could no longer keep up with the fees” owed on her loans. Eventually, Sandy was forced to file for bankruptcy.