You could get out of payday loan debt by following these steps:1. Consider whether you can afford to pay off your payday loan in full each month. If you can't, try to make smaller monthly payments and Gradual Payday Loan For Bad Credit the entire amount off in fewer months. This will help reduce the interest charges that are added to your original loan amount.2. Talk to a lender about different repayment options, such as a longer term plan with lower interest rates or a consolidation loan that combines several loans into one payment.3. Apply for a forbearance agreement – this allows you to avoid paying back your loan immediately but still has obligations associated with it such as making minimum monthly payments and maintaining good credit ratings.