Payday/installment loans in Missouri

Im downing in payday/installment loans debt. I will never do this again, it’s a total nightmare. Something to easy to get is never works. I need step by step help on how to pay back payloans / installment loans that are more afforable to pay back. How to stop interest and make reasonable settlement offers etc.. I borrowed and Im not trying to run from my obligations I just need my life back. These payday loans are making it very hard to pay my essential bills, such as rent, utilities etc.. Looking for some help./advice