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@sydaustralia Thanks, I'll ask her to call up her credit union and ask about this! That would be ideal, I'd rather her be a bit embarrassed than light cash on fire several times a month. You rock!

@willowsbible I'm 50. Neither of my two daughters (28 and 20) have ever used payday loans. I have tried in vain to get the 20 yo to dl an app that will 'balance her checkbook' so to speak as she gets in trouble not realizing what she's spent until she goes over and is hit with $35 overdraft...