while doing some research online regarding PDLs and how to get out of debt I came across a new option that some Credit Unions are offering to compete with PDLs. It is called StretchPay and is like a PDL but lower percentage than PDLs (18% i think) and more time to pay (up to 30 days). This will not help me out of my mess since you can only get $500 and you need to be a member of the Credit unions for 60 days but if there is anyone out there that is a member of a credit union this might be an option to take out a loan and pay off the PDLs. from what I read they do not check your credit.