Edited sentence: Additionally, it was discovered that access to title lending decreased the chance an individual would experience bankruptcy, rather than increasing it as is commonly held.Additionally, the study found that larger loan sizes were not correlated with a higher risk of the borrower becoming trapped in a cycle of debt.An argument often overlooked by those criticizing the payday and title loan industry is that these loans provide immediate financial aid in the face of emergencies and hardship.Furthermore, once a borrower has reestablished his/her credit history, he/she may choose to take out a more traditional loan to pay off the title loan.Small-dollar-credit products such as title loans prove to be invariably useful to these individuals and their families, granting short-term financial relief, provided the loan is paid off quickly, before interest payments compound excessively.When a disaster strikes, those who are unbanked and have no means of obtaining loans through traditional credit institutions—primarily due to low credit scores—have nowhere else to turn.While critics may point to this as a way in which individuals find themselves continuing to borrow, it has been shown in a recent study that even larger loan sizes were not correlated with a higher risk of the borrower becoming trapped in a cycle of debt