My husband and I currently have three pay day loan

My husband and I currently have three pay day loans. We live in the North Carolina. I heard that pay day loans are prohibited in NC. What does this mean? Also, can you give me some direction on how and what to do to get out of these pay day loans. It has turned into a horrible cycle that we can not get out of and is making it hard to pay our other bills.

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What is the sum of 4 and 10


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