A former payday scum manager comes clean in a video released by The Center for Responsible Lending.

In this 4 minute video, Rebecca tells how payday loans are rarely two-week loans. Most of her customers came in payday after payday to renew the loan—after the first time, they couldn't afford to pay it off. Rebecca tells how she and her co-workers explained away the 400% interest rate, and how tough their collection tactics were. And she tells how she came to understand that rather than help her customers, these loans were "keeping them poor."

Now if Virginia would just kick out the whole industry like West Virginia did.