Ami Jarman took out a payday loan to pay for a new tyre for her car, initially borrowing £100, a week before her payday.
She told Daybreak that with interested she needed to payback £170, leaving her short for the next month, so she took out an additional loan to cover the cost of the first one.
By the end of three years Ami had borrowed £8,000, and because of £6,000 in interest, she paid back £14,000.
"It's hard to get out of the circle once you are in it," she said.
More top news
Oxfam has apologised after allegations of sexual abuse and exploitation by staff responding to the 2010 earthquake in the country surfaced.
Bookmaker William Hill is to pay a £6.2 million penalty package for "systemic social responsibility and money laundering failures".
CCTV has captured a moment a 12-year-old girl was attacked and robbed on a busy street, as she carried shopping home for her mother.