That’s the headline of this letter in the Times and Democrat (S.C.) paper: 

Shutting down the short-term payday loan industry only forces these borrowers to resort to less-desirable and more-expensive alternatives to make ends meet.

Contrary to legislators’ claims, a Dartmouth College study found that a 2007 ban on payday lending in Oregon hurt borrowers who were forced to turn to more expensive alternatives like bounced checks, overdrafts and credit card cash advances.