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Orgfactsveteran-homelessness. php Wheeler, Jason. The Debt Trap: The cost of payday lending in Texas WFAA8 ABC. February 7, 2015. Accessed February 17, 2016. https:legacy. wfaa. comstorymoneypersonal-finance 20150205debt-series-payday-lending22890705 Pulling Back the Curtain: Shining a Light on Payday and Auto Title Loan Businesses in Texas. Texas Appleseed.