text:  Chuck, can you please break down this whole debt treadmill issue for us? It means that you keep paying interest or roll over your loan or borrow money from one company to pay back another one. Look, your principal never goes down and it's not good. Okay, so look out for that. How does it work at Dollar Loan Center? We make sure you pay a little principal with every payment. It's called a fully amortized installment loan. If you pay it off quick, great, major savings. But if you need more time to pay it off, even a year or so, at least at the end, you're completely paid in full because you've been chipping away at your principal.