One of my friends told me that she got struck in the middle of road six months back because her car broke down on way back to home. She needed to fix it immediately but did not have enough money to get repaired. So she decided to borrow payday loan. She failed to pay loan bill on next salary day as decided. She regrets it today as she is not able to get ahead of borrowing loan every month. Now she feels like trapped in loan cycle. What to do in such situation? Here is the answer for all borrowers facing same problem.