Update by user Mar 08, 2018 Someone from AF called me today and we have worked out a plan. They are willing to work with you if you are willing to work with them. The lady who called was very nice and I was in tears with gratitude. Yes I am paying, it's not like I'm getting out of a debt I owe, but there is a light at the end of the tunnel. If you find yourself in this situation, just call and talk to them. Original review posted by user Feb 06, 2018 I didn't mean to borrow the flex loan up to the limit but the holidays and the long January with six weeks between paydays got to me. Now I can't even pay the monthly interest of $500+ and make ends meet, and there's no way I can pay them in a lump sum. I am wringing my hands, pulling out my hair, and I honestly don't know what I am going to do!!!