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College students are among the most vulnerable when it comes to gambling. There are horse tracks, dog tracks, jai-alai frontons, daily fantasy leagues and online gambling sites for those so inclined. According to the Economist magazine, U. Many other Americans are not casual gamblers. This is usually a long process so family and friends of a gamble should be patient while waiting for a successful outcome. A credit card is all it takes to get wrapped up in the world of online gambling. Department of Justice indicted three of the main poker sites in , they fled the U. Family and friends are usually the first ones to recognize these signs. There are several avenues to address that issue, but one that seldom is suggested would be to put them in touch with a credit counselor from a nonprofit debt management agency. Online poker has survived in the U. Most Americans are casual gamblers and can indulge from time to time without suffering any negative emotional or financial consequences. A problem gambler cannot stop gambling behavior despite the recognition of ever-increasing, serious negative consequences. Here are some ways to address your gambling addiction first. And gambling does not have to take place in a casino at all. Before you think about paying off your gambling debts, treat the root of the problem: an addiction to betting. The casinos in Nevada and New Jersey are the most obvious spots, but hardly the only places to gamble. Once you get your mind right, then you can get your finances straightened out. Gambling debt is no different than other types of debt. Fantasy sports have long been a popular recreational activity, with Now it has become a feeding ground for former online poker professionals. DraftKings and Fanduel have faced their own legal problems of late, and are currently banned in 11 states. When the U. As many as four million to six million people are classified as problem gamblers, and perhaps another 15 million are thought of as at-risk.

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You bet something of value β€” usually money β€” on an event with an uncertain outcome hoping to take home a bigger return. Their small losses are simply the price of admission. Also, long gone are the days when a gambler has to leave the table because of a lack of funds. The answer is to convince yourself to stop gambling altogether, and seek psychological help for the addictive nature of the problem. Gamblers will stop paying on credit cards, mortgages, auto loans and student loans, trying to compensate for losses. Fantasy sports were declared a game of skill and excluded from the UIGEA, giving way to an explosion of daily fantasy sports leagues, like DraftKings and FanDuel, in recent years. In fact, only about half the money wagered in casinos are funds physically brought onto the premises. They just want some action. Family and friends absorb the fall out that comes when gamblers start searching for ways to cover their habits and their losses. Casinos extend billions of dollars of loans to their customers each year in the form of credit markers. The rest is borrowed. The money lost at the casino could have gone to bills and to provide for a family. In extreme cases, problem gambling can result in serious legal problems or financial ruin. Like any addiction, problem gambling can cause major disruptions in personal, professional, and family life. The credit counselors can help them get on a budget and assist with things like reducing interest rates on credit cards. In fact, gambling of some kind is permitted in every state in the U. The most consistent distinguishing aspect of the problem gambler is that his or her finances are usually in some state of disorder. Online poker players turned to daily fantasy sports. A gambling addiction affects more than just the gambler. The personal damage is also great: the divorce rate for problem gamblers is twice the rate of non-gamblers, and 1 in 5 addicted gamblers attempt suicide β€” 20 times the rate of non-gamblers. You need to develop a plan to pay them back. The casinos charge 3 to 10 percent interest or more for that service. And there is the thrill of winning. In fact, according to the National Council on Problem Gambling NCPG , an estimated 2 million people in America meet the accepted criteria for addictive or pathological gambling.