Quick Cash Loans, how do they work?

My girlfriend has gotten in over her head with payday loans. Basically she pays 400 dollars a month to borrow 2000, 25% wow. I don't know how they work, but she has explained to me that she pays them off each pay period but she needs the money so right away she has to get another loan, and it just keeps happening... show more My girlfriend has gotten in over her head with payday loans. Basically she pays 400 dollars a month to borrow 2000, 25% wow. I don't know how they work, but she has explained to me that she pays them off each pay period but she needs the money so right away she has to get another loan, and it just keeps happening month after month. Is this true? How can that even be possible?

Also so needs to pay these off, as you can see the issues with having no money, and her credit(clearly) is not the best, is there any place that will give her a personal loan for this? Like Citi Fin? She has about 5 grand in medical bills, this loans, and two credit cards. With not very good credit is it possible? Thanks in advance.