In case you’ve missed it, John Oliver continues setting aside at least half of each episode of Last Week Tonight as a time to educate viewers about important topics they won’t hear much about elsewhere. HBO continues being cool by putting these 15-plus–minute segments on YouTube for everyone who might not have HBO.
For his latest lesson, Oliver spends 14 minutes explaining payday loans and then shutting the concept down completely, based on everything from the loan companies’ terrible names and celebrity spokespersons to the way that they ruin customers’ lives with their bad practices. He then turns it over to his own celebrity spokesperson, Sarah Silverman. Watch the entire thing below.