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Sometimes it helps to know that you are not alone. These videos show some amazing stories of folks who dealt with amazing amounts of payday loan debt. They could have benefited from our system to get out of payday loan debt. Make sure you don't miss your opportunity.

Here are a few other payday debt help tips:

The Consumer Federation of America recommends the following ways to get out of payday loan debt:

First, try to avoid the need for payday loans by:

• Build a $500 emergency fund. Although money may be tight, we all need an emergency savings nest egg for unexpected bills or ups and downs of income and expenses. Start by having a small goal, such as $10 per paycheck. If your check is directly deposited into your bank account, ask your employer to direct deposit a portion to a savings account. To learn how you can become a Saver, visit America Saves.
• Developing a household budget is a way to keep track of income and expenses and to determine ways to save. Take stock of your income and expenses. Work out a realistic spending and savings plan with your family. Set aside some money every payday for big bills that come due once or twice a year, such as insurance. Plan ahead for budget-busters, such as holiday gifts, birthdays and vacations.

Try to get some kind of counseling help

The Consumer Federation of America suggests that if it is done properly, credit counseling can work. They say "When done well, credit counseling can be a useful tool for consumers in financial distress or to help families plan a budget. Traditionally, credit counseling agencies have offered a range of services, including financial and budget counseling and community education, as well as debt consolidation plans, known as debt management plans or DMPs. However, consumers should be aware that there have been serious problems in the credit counseling industry, including improper advice, deceptive practices and excessive fees."

They caution that credit counseling is not for everyone. Evaluate all of your options before entering credit counseling, including developing a better spending and savings plan, negotiating individually with creditors and - in serious situations - declaring bankruptcy. They recommend checking with the National Foundation For Credit Counseling to find a good counselor.

The Consumer Federation also recommends that you deal with your cash emergency without borrowing (which doesn't help folks who are already in the debt trap!). Here are some tips:

• Before you are late on a rent, mortgage, or utility payment, speak with the creditor. For non-interest bills, such as utility or telephone bills, ask about making payment arrangements. Ask to delay payment until your paycheck arrives or set up a repayment schedule that stretches out payments. Make sure to ask about fees or extra costs for extended payments. Getting behind on paying for loans and bills may damage your credit score.
• Ask your employer for an advance on your next paycheck. This isn't a loan and will reduce the amount of your next paycheck. Employers that make advances may limit how often you can do this.
• Delay expensive items until you have cash. If a car repair is causing the cash-flow problem, explore public transportation options until you have the funds together to repair your vehicle. See if any co-workers live nearby so that you can car-pool to work.
• Use some of your emergency savings instead of borrowing, but repay yourself.
• Apply for assistance programs, such as emergency utility funds. Take advantage of local charity, religious, or community programs that help families make ends meet in a crisis.
• Work overtime or pick up extra work to bring in more income. Sell something of value that you no longer need so you get true value for the item.
• Consider adjusting the amount withheld for taxes to provide more money in your paycheck instead of over-withholding every payday to get a big tax refund later. Don't under withhold either, since that can result in a big tax bill next April. If you qualify for the Earned Income Tax Credit, ask about getting the credit in each paycheck instead of one lump sum at tax time.

And finally, try to settle with your payday lenders

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