You also have the option of consolidating your credit cards to a private loan , which might be able to help you save. Credit studies comprise data on how you have paid again loans, how many loans you've utilized for, whether or not any debt has been despatched to a collector, and so forth. In response to CPPP, for every $1 borrowed by means of a multiple-fee payday mortgage, Texas customers pay not less than $2 in fees.