A non-traditional college student in Louisville returned to school at the age of 33. She graduated in May, but while she was enrolled in college, she used a payday lender one time. She gave them a check for $200 and was given $165, as the fee charged by the lender was just over $17 per $100 borrowed. Fortunately, she was able to repay the loan in a timely manner and has never taken out another. However, she says she was surprised at the large number of people who were in the establishment the day she went in, and has also been surprised by the lender’s aggressive tactics. She still receives mailings from them asking her to come back, and recently received a phone call from the lender about a “special” they had going on.