I have not figured out how I have done this yet, I used to be a smart man with multiple multiple college degrees. Now I am to the point of taking payday loans to cover payments on payday loans and I have no idea what to do at this point other then have a mental breakdown. My current total is $9394.99 in payday loans $618.00 is with a store front lender here in VA the others are all online. The payments are now well over my paycheck and I am now behind on rent, utilities, daycare, and car note.