<prompt> Human: Hello Reddit, Im a long time lurker of the site but today I decided to finally make an account to ask for some help from the Reddit community. About one year ago I was scammed out of 1600 and for the past year Ive been stuck in a payday loan cycle. I currently work as a Team Leader in a call centre and make about 1200 before tax bi-weekly. I have 3 payday loans right now and every 2 weeks Im stuck paying back one loan with my paycheck, reloaning and paying off the next one, reloaning, paying off the last loan and reloaning just to have money to pay for all my other throughout the next two weeks. After this Im stuck with maybe 300-500 to spend and live off of. I came here because I hope you guys can help me out. Over the past year if I did my math right Ive spent about 13000 just on interest. I managed to get a loan of 2000 and my paycheck came in last night with some deductions Im down to 980 in my account and 2000 to pay back the loans today. how should I go about doing this and saving money. The first payday loan is 840 after the interest I have to pay back 840×1.21 1016the second loan is 740 × 1.21 payback amount: 895The third loan is 550 - payback amount : 665I have 2980, how should I go about paying it back so I can have the most left over after? there is a grace period of 48 hours to pay back interest free so I was thinking I pay back the loan, reloan pay back the next one reloaning and pay back the next one and reloan and then just paying back all the payday loans interest free but Im not sure. Thats why I came here for advice. I have to do this all before 7pm tonight a its 12:30pm now when Im posting this. Id really appreciate if someone can help me figure out the best way to pay these stupid loans back. its really hurting my life to only have less half my paycheck left over every 2 weeks. thank you!  <response>: Dude, if you have 2980, and the pay back costs of your payday loans are 1016, 895, and 665, then why cant you just pay them all off and be done with it.Youd still have 404 left.There is no solution outside of paying back your payday loans and NOT ever getting another one. 