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The study notes that, before the pandemic, 3.3% of surveyed respondents said they donated plasma for compensation. That’s a higher rate than among those who said they took out payday loans (2.6%) and auto title loans (2.1%). The plasma donation rate also exceeds the number of respondents who said they took out pawn loans and rent-to-own arrangements.

Four years after a new plasma center opens in a community, the local population’s inquiries about payday and installment loans drop by 6.5% and 8.1%, respectively, among individuals under 35 years old. Moreover, young borrowers with access to plasma centers were 18% less likely to take out a payday loan.

The study’s authors estimate that Americans save between $180 million and $230 million in predatory borrowing costs each year because they have access to plasma centers. The findings attribute much of the impact of plasma center access to non-banked individuals who infrequently borrow rather than those caught in a predatory loan debt trap.