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Memo to Legislators


You are a legislative aide. Recently there have been concerns about payday lenders and for-profit colleges. You have been asked to write a report and memo to your legislators that evaluates the financial effects of these institutions on their clients. After analyzing the needs of Senator Franken and Congresswoman Bachmann, you collect data on the terms of loans, default rates, loan termination, cost of loans and average time to repayment compared to other sources of loans. (Example by Andrea Hansen, Director Self Sufficiency Program, UW-La Crosse)