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If you've already fallen behind, the situation could be much more dire. Your deficiency of money could result in your car or truck to acquire reposessed, or can lead to you being evicted from the apartment. They are the kind of situations that numerous families are never able to get over.
It's correct that the interest rates for payday loans might be high. However, because they're short-term loans that are designed to be repaid quickly, the amount of additional money you'll be paying really won't be that substantial. When you compare the price of the interest from what you'd pay when you didn't receive the loan, you'll see that you need to actually reduce costs.
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