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From 1998 to 2016, the number of households with student loan debt doubled. A recent Northwestern Mutual study reported that Millennials have an average of $27,900 in debt, and members of Generation Z average hold an typical of $14,700 in debt. A lot of lenders need you to create them a post-dated check to spend them back. This merely means writing a check and dating it in the future . If it bounces, they might charge you even extra fees—and your bank will too, normally a penalty of around $35. As a outcome, payday loans increase the likelihood of bankruptcy.