<prompt> Human: So I took out a 200 payday loan last summer. I get paid every two weeks and every check, they take 87 bucks. Its been long enough to where Ive paid back the principal plus plenty. I can afford the stupid high interest payment but this never affects the principal. If this were a decent company, theyd have let me go months ago, instead Im stuck. Im not sure how to get unstuck but I could really use that extra 174 a month lately. Any tips? Links would be appreciated. One option Id be in to would be a loan with more realistic interest that I could pay off in like 3 months or so, if that exists. Help? Also, yes, I know it was a dumb move and Ill never do it again. Lesson learned.  <response>: Sell something to pay it off. ASAPEBAY, craigslist, pawnshop.All payday loans are bad. Never go in there. 