Payday Loan Help

First, I am a 21 year old college student. I understand I shouldn't have taken out payday loans, but what's done is done and I am asking for advice. I have been with all three companies since 2009 and have paid outrageous interest charges; I currently have out three payday loans:

Paydaymaxx.com
United Cash Loans
One Click Cash

All of these loans are operating illegally in the State of Indiana. I will be unable to able to pay them on my next payday. I do not intend to default on these loans, I just can't pay them at this time. I have contacted all of them and they are not willing to work out a payment plan. Here are the interest rates AND the interest I have paid to date:

Paydaymax:
Loan Amount: $400
Next Service Charge: $105.34
APR: 436.922%
Total Amount Borrowed Since 2009: $3,010
Total Interest Paid Since 2009: $1,381.63

United Cash Loans
Loan Amount: $300
Next Service Charge: $90
APR: 342.19%

One Click Cash
Loan Amount: $400
Next Service Charge: $120
APR: 312.86%

I am not committing fraud and do not want to go to jail. I understand my credit will get screwed up, I will be able to pay them in in January, but right now I can’t. Has anyone had similar experiences dealing with these companies and the collection procedures? What can I do if they won’t work out a payment plan? I FULLY intend to pay them, I just can’t at the moment.