Student debt tripled between 2004 and 2012, according to a Feb. 28 report from the Federal Deposit Insurance Corp. Some 43 percent of all 25-year-olds had student loans in 2012. Some payday loans are also being marketed as student loans, creating another danger for financially vulnerable students and twenty-somethings. Such loans are characterized by triple-digit interest rates, a stipulation that the entire principal be repaid in two weeks, and a demand for the borrower's checking account and bank routing numbers. Students should be cautious about Web sites that require such personal information and claim to offer loans. Pay Student Online, for example, will not check a borrower's credit score and promises immediate money, but it requires bank account numbers and a regularly recurring deposit that guarantees cash flow that lenders can use to withdraw payments. In some cases, consumers may not be dealing directly with a lender, but with lead generators that sell customer data to a lender.