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If you find that your expenses exceed your income, you may be tempted to borrow money in order to make ends meet. However, you should be careful when you do this as you will have to pay back all the money that you have borrowed as well as a little bit of additional interest. Payday Loans may seem like they are a good way to get your paycheck early, but in reality, they have very high interest rates that can be devastating if you live paycheck to paycheck.