# The Cost of Not Knowing: Awareness and What Borrowers Pay | paykedge.com

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Источник: https://paykedge.com/research/cost-of-not-knowing/

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# The Cost of Not Knowing: Awareness and What Borrowers Pay

In states where fewer borrowers know about credit-union loans, the fees paid run higher.

- **44** — states in the sample
- **16** — states where 65%+ did not know about credit-union loans
- **82** — their average fees paid, $
- **4** — states where under 55% did not know
- **103** — their average fees paid, $

## The numbers

States with at least 30 respondents, ranked by how many had never heard of a credit-union loan.

| State | Code | Respondents | Did not know about PAL, % | Median fees paid, $ | Rollover share, %
| New Hampshire | NH | 30 | 78.0 | 60 | 37.5
| Idaho | ID | 104 | 73.1 | 75 | 54.3
| Hawaii | HI | 35 | 70.0 | 90 | 44.6
| Oklahoma | OK | 249 | 68.8 | 75 | 51.4
| Georgia | GA | 121 | 68.6 | 75 | 46.0
| Massachusetts | MA | 45 | 67.8 | 144 | 41.2
| Kansas | KS | 119 | 67.6 | 75 | 50.6
| Maine | ME | 39 | 67.4 | 68 | 61.3
| Connecticut | CT | 31 | 66.9 | 144 | 31.8
| Nebraska | NE | 81 | 66.8 | 75 | 49.8
| Illinois | IL | 202 | 66.6 | 68 | 48.0
| Washington | WA | 262 | 66.3 | 75 | 55.1
| Colorado | CO | 113 | 66.1 | 75 | 45.5
| Missouri | MO | 382 | 65.7 | 75 | 47.9
| Arizona | AZ | 165 | 65.3 | 75 | 53.7

## How we counted

- PAL is a payday alternative loan offered by federal credit unions, capped at 28% APR.
- We compare fees actually paid in states where awareness is low against states where it is higher.

Data updated 2026-07-31. Full dataset: [data.csv](data.csv).

## Use this research

Free to cite, quote and chart — with attribution. Journalists and researchers are welcome to reuse the table and the dataset.

**Citation:** Paykedge, “The Cost of Not Knowing: Awareness and What Borrowers Pay”, 2026. Available at [https://paykedge.com/research/cost-of-not-knowing/](https://paykedge.com/research/cost-of-not-knowing/)

[Download the PDF report](report.pdf) [Download the data (CSV)](data.csv)