How are the options to repay pdl amounting $1,960?

There are several options to repay pdls. You can settle payday loans or you can consolidate payday loans. But that is applicable only for legal payday loans. The Extended Payment Plan is also there. But all these options are applicable for legal payday loans only. As far as illegal payday loans are concerned, you can just repay the principal amount. That's it.

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Are the lenders legal? If yes, then you have to repay the principal amount with interest rate. You can settle the amount. Or, you can take out a consolidation loan to repay all the pdls. You can also ask for an extended payment plan from your lenders.

If pdl lending is legal in your state then you have to pay it in full. But if it is illegal, then you just have to pay only the principal amount.
You can settle legal payday loans or you have the option to consolidate them.