“For someone in need of quick cash, a payday loan can look like a way to avoid asking loved ones for help or getting into long-term debt. But these loans usually prove unaffordable, leaving borrowers in debt for an average of five months. This report — the second in Pew’s Payday Lending in America series — answers questions about why borrowers choose payday loans, how they ultimately repay the loans, and how they feel about their experiences.”