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I’ve Got Payday Loans While in My Debt Management Program. – Jim

“Dear Steve,

I’ve been in a debt management program for about 2 years. During the last couple years I have also got over my head in e-pay day loans. My wife has gone from a $17/hr full time job to $7.75 part time job.

Best way to get out from under about $5000 in pay day loans.


Dear Jim,

The first issue that comes to mind is that it seems your debt management program isn’t right for you if you still need to go hunting for payday loans to help make ends meet.

I’d suggest you use the free How to Get Out of Debt Calculator to review your options.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

READ  We Are Over Our Head in Payday Loans. Can a Debt Consolidation Company Help Me? - Laurie

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I make enough money to pay my e-loans off if I can make payment arrangements with the lenders. I just can’t afford the high interest and want someone to negotiate the interest rate down. I have learned my lesson to stay away from e-loans.

    • OK. It would be highly unlikely for a lender to negotiate a lower interest rate since they already have you bound to the higher rate. 

      The logical way to deal with this would be to find an unsecured debt consolidation loan from a group like or

      Alternatively, since you can easily afford the payments you could simply prioritize your repayment to minimize the cost. Think about looking at a free service like

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