 The Vice President of state policy at the Center for Responsible Lending in Durham, North Carolina argues that the car title loan model is built around loans that are impossible to repay.He goes on to cite a 2007 study by the Center for Responsible Lending which shows that 20% of title loan borrowers in Chicago had taken out a loan in order to repay a previous loan to the same lender.Evidence from The Pew Charitable Trusts cite a need for consumers to be better informed.