How to handle past and current PDL?

Hello Everyone, 

 

I am caught in the cycle owing numerous PDLs and am trying to pay them off. In some cases I pay off current loans in full only to have to re-borrow to pay basic bills. I am stuck in an endless cycle of paying interest rates which are outragous. I live in NYS and now realize that these loans are illegal and that I owe the principal on each and not the excessive interest. Yes, I know how stupid it is, but it is a slippery slope and once you get into the trap the only way it seems to get out, or just to even survive, is to keep paying and borrowing to just meet normal needs of life (rent, food). 

 

The question I have is this. With two lenders which I repaid and took out numerous loans, can and should I ask for a refund of those interest payments on the past loans? If there is an outstanding balance does my pass excessive interest payments cover that amount?