I was not able to repay the loan after all and I had to prolong the repayment period. But now, I ended up with even higher interest rate and with the amount of money that was to be returned much larger than the total of the initial loan.
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My wife and I were very worried and we realized that if we went on like this, there will be no chance for us to get out of that debt ever. Thus, we had to opt for another solution. In fact, the severity of our situation forced me to a thing that otherwise I would have never done. I asked a very good friend of mine to lend me the money to cover the loan. Of course, he said there was no problem, but I was still uncomfortable with it. Anyway, I paid all the loan expenses and over time, I managed to pay the debt to my friend as well. We are still very good friends and that is what matters the most.
In conclusion, I can only say that my experience with payday loan was not a very good one. However, it could have turned out just fine had there not been for the unexpected schooling expense. Thus, before you decide to take a payday loan think well and opt for it only if you are completely sure that nothing will prevent you from paying it back on time.