Rolling over or refinancing that loan ensures that the debtor will pay a charge to back delay paying the mortgage. The cost doesn’t decrease the principal owed. The borrower will have paid four $66 fees and will still owe $300 to the lender for example, if a borrower rolls over a $300 loan in Texas (where fees on the loan are $22 for every $100 borrowed) three times.
Concern: how times that are many a borrower roll over that loan?
There’s absolutely no restriction in the true quantity of times a debtor can rollover that loan in many urban centers in Texas.