Just a thought here, but Prosper (www.prosper.com) is often a good place to try; you can often get a better interest rate on a small 3 year loan. This is a community lending/microloan site that means other people on the internet (not cut-throat companies) are lending you the money.
I lend there myself.
I was in a similar situation a little while ago. Another option (and I apologize if this was already mentioned) would be to join a debt consolidation company in regards to the other debts. The program that I joined was one set pay for every months and the length was usually for 3 years. More money can be placed in the account and the length with the company will be shortened. A third option would be for you to pay yourself. In other words for like your neccessities such as rent. Every little bit helps and you will end up having a little savings fund that can be used.
Just a few thoughts
kt_scarlett007...I know exactly how you feel! I am in the same situation. I have 6 PDL right now and 5 of them I have placed stop payments on. I was in the process of signing up with this Debt settlement company that deals only with PDL's and then when I called to sign up, they stop doing business in my state! Go Figure!! Anyway I have gotten some really good suggestions from this post and I Thank God for all of you on here. I will definitely follow some of your suggestions.
kt_scarlett007 if you want the name of debt settlement company just let me know...
I live in Arkansas and our AG gave some sharks an ultimatum that were charging tripple digit APR's and made some of them shut down. When I first got started in the payday loan thing I shopped arround and found one called first american cash advance that printed out Wester Union money orders and if you took them out of the store and not cashed them there then you virtualy paid nothing for the loan ( got a $400 loan and had to pay back $400.46) just by cashing my money order at my bank. But if you chashed the money order in the store then you paid a 10% cahsing fee. I figured that was a good deal but low and behold now they figured out that they had a "problem" by not making any profit so now they print out checks with a 5% fee so for $400 i pay back $426 which is still better than some of these places that charge 399% intrest!!! So my advise is one to shop arround and if you have a say first american cash advance in your state and then get a loan from them to pay off some or all of the high intrest rate ones you have. second I would contact your AG's office and see if they have anything in the making like our state like trying to shut down or restrict tripple digit intrest pay day loan companies.