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I seem to have got myself into a horrible situation where I can only barely afford the interest repayments on these darn things every month. The crucial point is that you know how you are going to pay it back, if you do go for a payday loan. Then you can't afford the loan, if not. The end result will leave you much worse off, no matter how desperate you are. If you feel desperate and that it's your only option, even though you aren't sure you'll repay it, you'd be far better getting one-on-one debt counselling help from a non-profit debt counselling agency.