<prompt> Human: I dont really have any excuse besides being bad with money and I kept telling myself my next paycheck would get me out of the negative. Basically one month I didnt get paid as much as I normally do at my part time job because I got sick and had to over withdraw from my bank to cover my bills. Instead of being responsible and just not spending any money till the next payday, I had got groceries and gas which ended up putting me more in the negative even more. This cycle has continued for about 2 months and Im about 700 in the negative. If my next two paychecks go directly to paying back what Im negative Ill end up with about 50 left over. The problem is the 2nd paycheck will be the first of the month when rent is due and Id still need to pay rent.I know I need to go in and talk to the bank before this affects my credit, but Im not scared of what they will say. Is there anyway theyd be able to set me up with some sorta payment plan for the money so Im not overdrawing anymore but still have money for bills? I have a tentative offer that starts at 62k a year that Ill be starting in the next month or so if that helps at all. Its only tentative because they need my final grades to prove I graduated, which I did. TL;DR: I got sick and had to overdraft from my bank to cover bills. Instead of being a responsible adult, I was a dumb college student and kept over drafting and am now about 700 in the negative about a month and a half later. My next 2 paychecks will clear the debt but Id still need to come up with the money for rent. Im scared to go into the bank and talk with them because idk what theyll say. Any suggestions on how to handle this? If it helps, Ill be starting a job in about a month thatll pay 62k a year.  <response>: Talk to the bank. Dress nice, be honest, explain your situation. 