The loans are a highly controversial form of credit, as borrowers find fast relief but often struggle for months to repay obligations marketed as lasting only weeks. While proponents argue that payday lending is a vital way to help underserved people solve temporary cash-flow problems, opponents claim that the practice preys on overburdened people with expensive debt that is usually impossible to retire on the borrower's next payday.Now, data are out showing women are more likely to use payday loans than men. The numbers come from a Colorado state government report on payday loans (where the new laws sent such loans down 60% in 2011 on a per-dollar basis). The Colorado study shows that women (especially single women) are significantly more likely to take a payday loan as men. According to the study data, that has been the case for the past 10 years, with women accounting for 53.6% of payday loans in 2001, 53.2% in 2006 and 52.4% last year. The Great Recession saw more men than women lose jobs over the past five years, and most payday lenders require that borrowers have full-time employment. But the Colorado study notes women in the state makes about $330 less than men on an annual basis and may need the extra cash several times per year to make ends meet. Whatever the reasons, too many women (and plenty of men) are getting fleeced on payday loans, apparently with full knowledge of the bad deal they're handed.