As the recession continues to spiral downward, many Americans are drowning in debt. Americans consume an enormous chunk of personal debt over their lifetimes, through mortgages, cars, and in the last twenty years, credit cards. The interest can pile up quick, and the total debt burden can add up quickly, and stick around for a very long time, and it can total more than several dozen payday loans at a time. If you want to avoid late fees and more interest, you can use payday loans if you come up short. Read more about credit cards and payday loans.