This is the opening line in Toldeo’s WTOL coverage of the debate over payday lending in Ohio.

The reporter interviews Jessica, a Payday loan customer.  Who says,”I’ve always been the type where I handle my finances. I’ve always been extremely responsible. I pay my bills, and I didn’t want to turn to family.” She adds, “I had no idea what to do, and it really saved me.”…”It’s a need. There’s people in situations where they need help. They need a little extra to make ends meet.”