With rising home prices, living costs and more, saving for that next step can be intimidating. It’s causing many young adults to delay their purchase. The average age of first-time homebuyers has reached 36, according to the National Association of Realtors.

The Illinois Predatory Lending Prevention Act was recently signed into law by Gov. J.B. Pritzker. The legislation had support from organizations around the state, but critics say the law could shut down the payday lending industry in Illinois, leading to a host of bigger problems.