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Heather Pappas of Duluth, a customer service associate at the Duluth location of Payday America, waits for customers Saturday afternoon. The payday loan store is in the Pawn America store on Central Entrance in Duluth. (Clint Austin / caustin@duluthnews.com)

Payday lenders: Helping hand or debt trap?

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Payday lenders collected more than $82 million in fees from low- and middle-income Minnesotans between 1999 and 2012 — including more than

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