I would guess the overlap of folks capable of doing MS and those who need a payday loan is small to non-existent. It seems to me that most folks MSing are those with above average incomes and with the mindset to to exploit the financial system not be exploited by it. There are some exceptions at least to the income because I have seen some mention of students/recent graduates MSing but on the whole these appear to be two nearly completely different groups of individuals.