 TITLE: How to Avoid Payday Loans CONTENT: How to Deal With Existing Payday Loan Debt\n------------------------------------------\nIf possible, try to negotiate with your lender before allowing your account to become past due. If you're already past that point, speak with your lender to find out if there are any plans to help you get back on track. Many states require payday lenders to provide extended payment plans (EPPs). This agreement extends your loan repayment period and may lower the monthly amount due. Other options that could help you pay off your payday loan include a debt consolidation loan or debt management plan, which is a more in-depth debt payoff plan you can get through a certified credit counselor. END