There aren't many good things you can say about payday loans. Yes, they're easy to get but they're so hard to pay off. The interest and fees grow so quickly that most consumers who take out a payday loan don't manage to pay it back on time and wind up taking out more loans at ever-higher cost.

This short course will help you understand the dangers of payday loans and suggest other ways to get emergency cash that won't make your situation worse.

And if there's just no way of getting around it this time, we have advice on how you can avoid falling into the payday loan trap ever again.

We are a non-profit organization and this course is priced at our bare-minimum beak-even point. It is not an advertisement and we do not collect any information about you. You will not get any sales solicitation as a result of taking this course and your credit rating will not be affected in any way.