Pay day loan laws in iowa

my husband is blind and uses a cane, he recentley retired from the dept. for the blind, our income fell and i and disabled and my medications cost about 15 hunderd dollars a mo when i get in the donut hole in medicare part d, he wasnt read the contract i understand that is no excuse , but he took out 9 of them at 54 dollars for 500dollars for 2 weeks all we have is social security, he is suicidal and can't even sleep , he got these loans about 5 times ea. then we were a victum of identity teft and we lost money in our acount and had to close the checking acount the 8 checks ere written on. he went to each lace and told them the situation i called legal aid they told me not to pay them , we are in iowa if we don't make payments on them what can they do.