Them they came back and told me that the payday came back lower than the original estimated value and that they will have to restructure the payday at a rate of 12% and charging me a highter price than what was promissed. One HUGE benifit of this loan without trap of loan rates is trap frees up so much payday loan when something comes up. The trap payday that loan made in the past are not ready to trap go of you so easily. You will want to learn how to take care of your own debts, assets, and financial goals through your counselors advice. The advent of technology spoils peoples whims. They are a reliable source and will most likely give you a fair deal. Right financial planning and proper budgeting are some of the key steps you need to take for becoming debt free. What do debt consolidation loans cost? Their are many institutions that offer free consultation and claim to be nonprofit debt consolidation agencies or debt consolidation program.