Generally speaking, payday loans are not forgiven. In fact, payday lenders are known for their predatory lending and collection practices. That said, borrowers are not required to repay payday loans that do not comply with state law. If you think your lender has violated state law, contact the applicable regulatory agency for more information. Payday loan debt can also be forgiven through bankruptcy. However, filing for bankruptcy can be costly and complex—and it's not the right choice for everyone. Contact a bankruptcy attorney if you think it may be a good option.