If you are struggling to repay a payday loan, there are a few things you can do to try and resolve the issue. First, contact your lender and explain your financial situation. They may be willing to work with you to extend the repayment period or reduce the amount you owe. If you are unable to reach an agreement with your lender, you can also try contacting a credit counseling service. These organizations can help you develop a plan to repay your debt over time. Finally, if all else fails, you may need to consider bankruptcy. However, this should always be a last resort option as it can have significant negative impacts on your credit score and financial future.