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And when I tried to call back the people who had offered me loans, I couldn't get through. Q: How does one apply for uncertified student loans Payday loans should never be used as a way to fill the gap between your incomings and outgoings in a month. If that's happening to you, there's a fundamental problem that a payday loan will only make worse not better. The most important thing to do is to sort out a budget. to try to balance your costs and income.