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Most Short-Term Borrowers Are Employed Adults Navigating a Paycheck Timing Gap, New Survey Finds

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Survey finds 76% of short-term borrowers receive a steady paycheck, yet still face a gap between a bill due date and their next payday

GREENVILLE, S.C., Oct. 14, 2026 /PRNewswire/ — Advance America, a leading provider of short-term financial solutions, released findings from a January 2026 survey of 541 U.S. adults that reveal a clear picture of who is borrowing before payday: working Americans managing the gap between when bills come due and when their paycheck arrives.

The survey found that 87% of respondents had used at least one short-term borrowing method in the past six months. Of those, 76.2% reported receiving a steady paycheck from full-time or part-time employment, and 78.6% said they are primarily responsible for managing their household finances.

“This research confirms what our team hears from customers every day,” said Jessica Rustin, Chief Executive Officer of Advance America. “Our customers are working adults who manage their finances thoughtfully. They choose short-term borrowing because it’s a practical, predictable solution — and that’s exactly what Advance America is built to provide.”

The paycheck gap is real

The survey results align with broader economic trends. By August 2026, U.S. inflation had risen to 3.4% year-over-year while average hourly earnings decreased 0.3%, according to the Bureau of Labor Statistics. A separate CNBC Affordability Survey from July 2026 found that 63% of Americans are living paycheck to paycheck, and 61% say their pay schedule doesn’t align with the timing of their expenses.

Roughly 80% of Advance America’s survey respondents fell between the ages of 35 and 54 — employed adults with mortgages, families, and bills that don’t wait. And the cost of waiting is high: 44% of respondents said they have incurred late fees, interest, or bank overdraft charges in the past six months while waiting on their next paycheck to arrive.

How Americans are bridging the gap

When asked how they accessed cash before payday, respondents reported a range of approaches:

64.5% used a payday loan or small-dollar loan29.6% used a cash advance app21.6% borrowed from friends or family17.6% took a cash advance from a debit or credit card16.8% paid a bank overdraft fee

Advance America’s research shows that customers who choose a payday loan or installment loan value the transparency and predictability of knowing exactly when and what they’ll pay.

About the survey

Advance America conducted an online survey in January 2026 among 541 U.S. adults recruited through the company’s digital marketing channels. Respondents were asked about their short-term borrowing behaviors in the prior six months, income sources, household financial management responsibilities, and demographic characteristics. Participants were located across multiple states, with concentrations in Florida, Texas, and other markets where Advance America operates. Results reflect the experiences of adults familiar with Advance America and may not be representative of the broader U.S. population.

About Advance America 

Advance America is a licensed and regulated lender providing convenient loan options online and in store at 700+ locations across 23 states.    

Since 1997, Advance America has helped millions of families navigate life’s financial moments — with clear terms, real human support, and a commitment to making borrowing simple, fast, and free from judgment.

Learn more at AdvanceAmerica.net.

Media Contact: mediarequest@teampurpose.com

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SOURCE Advance America

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HelloNation Examines Repair vs Replace HVAC Decisions With Insights From HVAC Expert Leslie Roe

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The article outlines key factors that influence cost, efficiency, and long-term home comfort.

TRAVERSE CITY, Mich., Nov. 20, 2026 /PRNewswire/ — What should homeowners consider first when deciding between repair vs replace HVAC systems? The answer is explored in a HelloNation article that offers guidance and features insights from HVAC Expert Leslie Roe of Precision Plumbing and Heating Systems in Traverse City, Michigan.

The HelloNation article explains that HVAC system age is one of the most important factors in the repair-versus-replace decision. Systems typically last 10 to 15 years, and as HVAC systems age, the likelihood of costly breakdowns increases. The article notes that when a unit nears the end of its expected lifespan, replacement may offer more value than repeated furnace repair or temporary fixes.

Maintenance history also plays a central role in evaluating repair vs replace HVAC options. The article describes how a consistent maintenance history often leads to better performance and fewer disruptions. In contrast, poor maintenance history can lead to recurring HVAC issues that drive up repair costs over time. HVAC Expert Leslie Roe emphasizes in the article that recurring HVAC issues often signal that replacement should be considered more seriously.

The article also examines the type and severity of system problems. Minor issues, such as thermostat malfunctions or small leaks, may require only furnace repair or targeted service. However, multiple component failures and recurring HVAC issues often point to a system that can no longer operate efficiently. In these cases, the article explains that repair may provide only short-term relief, while AC replacement may offer a more stable long-term solution.

Energy use is another major factor discussed in the article. Older systems tend to lack modern heating and cooling efficiency, leading to higher monthly utility costs. The article highlights that upgrading to an AC replacement can significantly improve heating and cooling efficiency while reducing strain on the system. Improved heating and cooling efficiency not only lowers expenses but also enhances year-round home comfort.

Comfort and performance are closely tied to system condition. The article notes that uneven temperatures, weak airflow, and frequent cycling can reduce home comfort and signal deeper system problems. HVAC Expert Leslie Roe explains in the article that maintaining home comfort is often easier with newer systems designed for consistent performance. While furnace repair may temporarily restore function, long-term home comfort is often improved by replacement when systems are outdated.

Budget considerations are also addressed in the HelloNation article. Repair costs are usually lower at first, making furnace repair an appealing short-term option. However, the article explains that repeated repairs tied to recurring HVAC issues can quickly add up. AC replacement requires a higher upfront investment, but it can reduce future expenses and improve heating and cooling efficiency over time.

The article concludes that evaluating HVAC system age, maintenance history, repair frequency, and overall home comfort helps homeowners make informed decisions. By carefully weighing repair vs replace HVAC options, homeowners can better manage costs and system reliability. Consulting a qualified HVAC Expert is recommended to assess current performance and provide a clear path forward based on individual needs.

Should You Repair or Replace Your HVAC System? What Homeowners Should Consider First features insights from Leslie Roe, an HVAC expert at Precision Plumbing and Heating in Traverse City, Michigan, on HelloNation.

About HelloNation
HelloNation is a premier media platform that connects readers with trusted professionals and businesses across various industries. Through its innovative “edvertising” approach that blends educational content with storytelling, HelloNation delivers expert-driven, good-news articles that inform, inspire, and empower. Covering topics from home improvement and health to business strategy and lifestyle, HelloNation highlights leaders making a meaningful impact in their communities.

View original content to download multimedia:https://www.prnewswire.com/news-releases/hellonation-examines-repair-vs-replace-hvac-decisions-with-insights-from-hvac-expert-leslie-roe-302780078.html

SOURCE HelloNation

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NASA to host a technical briefing on CSA astronaut Joshua Kutryk’s upcoming spacewalks

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LONGUEUIL, QC, Oct. 16, 2026 /CNW/ — On Tuesday, October 20, at 2:00 pm ET, NASA will preview two upcoming spacewalks in which Canadian Space Agency (CSA) astronaut Colonel Joshua Kutryk will participate. Onboard the International Space Station since October 1, Joshua will help complete the installation of new solar arrays and power augmentation upgrades during these spacewalks. This will be Joshua’s first spacewalk, and he will be fifth CSA astronaut to venture outside a spacecraft while in orbit.

Media who wish to join by phone must contact the Johnson Space Center newsroom at jsccommu@mail.nasa.gov no later than Monday, October 19, at 3:00 pm. NASA will livestream the event. For more information, please view NASA’s advisory.

CSA experts will be available to answer questions and discuss Canada’s participation in the International Space Station program. Media representatives interested in arranging an interview may contact the CSA Media Relations Office.

Thursday, October 29

During the spacewalk, Joshua Kutryk, along with NASA astronaut Anil Menon, will install and deploy an International Space Station Roll-Out Solar Array (IROSA).

Thursday, November 5

In the following spacewalk, Joshua Kutryk, along with NASA astronaut Anil Menon, will install and deploy the final IROSA, completing the power augmentation upgrades.

Additional information

Crew-13 International Space Station missionCSA astronaut Joshua Kutryk to conduct two spacewalksInformation kit for Joshua Kutryk’s missionBiography of Joshua Kutryk

Website: www.asc-csa.gc.ca
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SOURCE Canadian Space Agency

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Credit Union of Southern California (CU SoCal) Launches 7% APY, 7-Month Share Certificate

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ANAHEIM HILLS, Calif., Oct. 16, 2026 /PRNewswire/ — Credit Union of Southern California (CU SoCal) has announced a limited-time Share Certificate offering 7% APY for a 7-month term. Available through December 31, 2026, the market-leading offer helps Members earn more on deposits from a minimum deposit of $500 to a maximum $7,000 in new funds without committing to a long term.

“We designed this certificate to give more Members access to an outstanding rate without requiring a large deposit or a long-term commitment,” said Suzie Kisslan, Chief Operating Officer at CU SoCal. “It’s a compelling opportunity for savers to put their money to work and earn a competitive return.”

New Members can open their account online at CUSoCal.org, at any CU SoCal branch, or by calling its Member Care Center at 866.287.6225. The offer ends December 31, 2026.

About Credit Union of Southern California (CU SoCal)
Founded in 1954 as Whittier Area Schools Federal Credit Union, Credit Union of Southern California (CU SoCal) is a federally chartered credit union open to anyone who qualifies for Membership. Individuals may become Members through family or household relationships, employer partnerships, select educational institutions, residency or employment in Lake Havasu City, Arizona, or through a complimentary membership in a CU SoCal nonprofit partner association. CU SoCal remains a Member-owned, not-for-profit cooperative dedicated to helping Members build better lives through personalized financial services and support. CU SoCal has a superior five-star financial rating from BauerFinancial, holds more than $4 billion in assets, and serves more than 187,000 Members. For more information, visit CUSoCal.org.

View original content to download multimedia:https://www.prnewswire.com/news-releases/credit-union-of-southern-california-cu-socal-launches-7-apy-7-month-share-certificate-302911619.html

SOURCE Credit Union of Southern California

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