The Payback
A Novel
Table of Contents
About The Book
Jada Williams is good at judging people by their looks. From across the mall, she can tell not only someone’s inseam and pants size, but exactly what style they need to transform their life. Too bad she’s no longer using this superpower as a wardrobe designer to Hollywood stars, but for minimum wage plus commission at the Glendale mall.
When Jada is fired yet again, she is forced to outrun the newly instated Debt Police, who are out for blood. But Jada, like any great antihero, is not going to wait for the cops to come kick her around. With the help of two other debt-burdened mall coworkers, she hatches a plan for revenge. Together, the three women plan a heist to erase their student loans forever and get back at the system that promised them everything and then tried to take it back.
“A novel of great fun and unforgettable fury” (Megha Majumdar, bestselling author of A Burning), The Payback is a razor-sharp and hilarious dissection of race, power, and the daily grind, from one of the most original and exciting writers at work today.
Why We Love It
“I could write multiple theses about why I love this book, but in many ways The Payback is the ultimate ‘you just have to read it’ kind of thing. How could I possibly do it justice and capture everything that blows my mind about this novel? Okay, one thing—and this is just scratching the surface—but Jada is one of my favorite antiheroes that I’ve ever met in fiction, just lock in and let her take you wherever she wants to go.”
—Sean D., Associate Editor, on The Payback
Product Details
- Publisher: Atria Books (May 12, 2026)
- Length: 256 pages
- ISBN13: 9781668075548
Raves and Reviews
“Riotous – and righteous.”—Vanity Fair
“For all that it deals with systemic racism and economic precarity, The Payback is a terrifically fun book that made me laugh out loud at least once every chapter.” —The Los Angeles Times
“A twisted, cathartic romp…There’s an undercurrent of Luigi Mangione-like disquiet in this story: We’re rooting for the brave antihero, the political martyr, the rebel with a rightful cause.”—The New York Times Book Review
New York Times 31 Novels to Read This Summer
“A novel of great fun and unforgettable fury, The Payback sharply questions the punitive systems we live within, the contradiction between social wellbeing and individual wellness, and what it means to work toward a decent life.” —Megha Majumdar, bestselling author of A Burning
“In Cauley’s timely and playful novel, three retail co-workers-turned-friends hatch a plot to wipe out student loan debt. From bonding over their distrust of the debt police to carrying out their daring scheme, the trio’s story reads like a delightful heist movie. (Actually, Hollywood, if you’re listening: Snap this one up).” —Bustle, Most Anticipated Books of Summer
“A dark comedy on the friendship and resourcefulness of three Black women who plan a caper to erase everyone’s debts. Engaging, emotional, and entertaining.”—Boston Globe, Best Books of Summer
“Timely and riotous…[The Payback] delivers outstandingly on this spectacular premise. Cauley’s prose sings, snappy and clever, painting a picture of a world that feels at the same time utterly absurd and chillingly close at hand.”—CrimeReads
“Could this novel be any more timely or more delightful? Delicious, fabulist and cuttingly insightful about the current moment, The Payback is Moonstruck meets heist movie, true fun with real teeth. We will all be reading Cauley for many years to come.” —Rufi Thrope, author of Margo's Got Money Troubles
“Cauley burnishes her page-turner with shrewd commentary on the debt burden placed on first-generation college students. It’s a knockout.” —Publishers Weekly
“The Payback is as shady, cunning, and wickedly fun as its gimlet-eyed narrator. It describes - like nothing else - an America drowning in cheap merch and dipping FICA scores, the endless want of living here. Luigi, save us. We know not what we've done.” —Danzy Senna, author of Colored Television
Resources and Downloads
High Resolution Images
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Book Cover Image (jpg): The Payback
Trade Paperback 9781668075548
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Author Photo (jpg): Kashana Cauley Mindy Tucker(0.1 MB)
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