I'm the founder of PDLoans247, a free consumer education platform on payday loans, debt cycle recovery, and state-by-state lending regulations. I built the site's calculators (Reality Check Wizard, Debt Trap Risk Calculator) and a free 50-state Payday Loan Complaint Generator that helps borrowers file complaints with lenders and the CFPB. My focus is plain-English explanations of how short-term credit actually works — APR math, rollover mechanics, what lenders disclose vs. what borrowers should ask about. I cover all 50 states' payday laws and update guidance quarterly as regulations change. Happy to provide data, quotes, or analysis on: payday regulation, debt cycle patterns, CFPB enforcement, state APR caps, predatory lending warning signs, and small-dollar loan alternat...