What to do about online payday loans that are illegal in my state?

Question Details:

Like an idiot I took out 2 on-line payday loans for $500; one for $200 and the other for $250. I've paid back $500 on the $250 loan and $300 on the $200 loan. In order to pay them in full I'd have to give each of then another $260. I now find out that payday loans are prohibited in PA. I'm not in default, but I can't do this any more. I'm getting behind on rent, electric and cable. What are my legal options here?

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