I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached. 
