You are not going to jail for failure to pay a debt. The worst thing a creditor/debt collector can do is sue you, obtain a judgment against you and then try to use that judgment to garnish your wages, lien your property, and/or pull money out of your bank account. If you don't have wages, property or assets then the judgment isn't worth very much (but it can hang around and be used to garnish wages/lien property, etc. later when you do ultimately get those things).
Who is contacting you to collect the debts, the payday lenders or debt collector? If debt collectors, you might have a cause of action against them for violating the Fair Debt Collection Practices Act ("FDCPA"). The FDCPA is a federal act that regulates debt collection activities. Debt collectors are prohibited from harassing consumers, calling before 8 am or after 9 pm, lying to collect a debt, etc. If you didn't defraud anyone, the debt collector can't threaten to add fees to your debt for fraud. You could be entitled to up to $1k per debt collection company for violation of the FDCPA.
I hope this helps! If you have any questions or need further information, you can contact me directly at firstname.lastname@example.org. Legal services are free for claims under the FDCPA because the FDCPA awards reasonable attorneys' fees and costs to the victorious consumer.