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Twelve million Americans take out payday loans each year, according to Pew Charitable Trusts, including in Utah, a state with one of the lowest unemployment rates in the country. (Kim Raff for ProPublica)

Twelve million Americans take out payday loans each year, according to Pew Charitable Trusts, including in Utah, a state with one of the lowest unemployment rates in the country. (Kim Raff for ProPublica)

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