You can break the payday loan cycle in a few different ways. These include enrolling your debts into a resolution or consolidation program, using a debt repayment strategy, or securing a separate line of credit to help pay off what you owe. It may be tempting to work with the payday loan provider to extend your payment plan or roll your debt into a new loan, but both of these options are designed to keep you in debt (and paying more in interest and fees) for a longer amount of time.