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Debt consolidation involves combining multiple debts into a single, more manageable loan having a lower interest rate plus more favorable repayment terms. Even in states where pay day loans are legal, there may be regulations available to protect borrowers from predatory lending practices. Borrowers who are considering a cash advance should be conscious of the potential consequences of default, including a lawsuit and damage with their credit score. Payday loans could possibly be more expensive for borrowers who have no other available choices for borrowing money, for example family or friends. Some borrowers could be able to negotiate a payment plan or other arrangements with their lender if they may be unable to pay back a payday advance on time. Debt settlement involves negotiating with creditors to relieve the volume of debt owed, in exchange for a lump-sum payment or a repayment schedule. Borrowers who are struggling with pay day loan debt should be conscious of their rights under state and federal consumer protection laws, which may provide additional protections against harassment and other predatory practices. Payday loans could be more expensive for borrowers who have no savings or emergency fund, as unexpected expenses or emergencies might make it challenging to repay the borrowed funds on time. Payday loans could be more expensive for borrowers who've no additional options for covering relocation expenses or another moving costs.