SEO Over Optimization?

Guys,

All of my iner pages are in following format

Title:keyword phrases
url:keyword phrases

Plus all backlinks , lotsa of them , are targetted for that particular keyword phrases too , singular+plural form

Example:

Title: Best Payday Loans
URL:http://www.paydayloansinfo.org/best-payday-loans.htm
Backlinks : best payday loan and best payday loans

Will Google devalue my inner pages for doing this?. Do you consider this as over optimization?

Thanks!

maybe will be flagged like spam but who cares ?