Earned Wage Access (EWA) is a financial tool that allows workers to access a portion of their pay before payday, offering relief in times of unexpected expenses. But how does it work, and what should you watch out for? In this article by the Baltimore Times, MVLS Staff Attorney, Aja’ Mallory breaks down the two main types of EWA—employer-sponsored programs and independent services—highlighting their benefits, potential costs, and risks. From high fees to the risk of creating a debt cycle, we explore why it’s crucial to approach EWA thoughtfully. Maryland residents can also learn how to get help from the Office of Financial Regulation.