<prompt> Human: Hi guys. This is a desperate cry for help. I first want to thank you for taking the time to read this post, I dont really know where else to turn, and if you think there is a better suited subreddit for this question please tell me.So to start my tale of embarrassment, it goes back about a month. For about two or three weeks I was in between two jobs, switching to the job that I have now. So for about three weeks I was unemployed. I had not a single dollar, and couldnt even drive anywhere because of the lack of gas money. When I got my new job I still had to wait two more weeks obviously until my first paycheck.About a day and two weeks before my first paycheck, I had taken out a small loan from a Cash Store to pay for my expenses and my boyfriends birthday. I dont know if you have heard of these, but apparently they have horrible reputations. I had to give them my vehicles title to get the 250 loan, so they can take my vehicle at any time and claim it as theirs if I do not pay this loan. I am only 18 years old and I was desperate. My parents cannot help me with my situation.I ended up taking out a 250 loan from this Cash Store, and Im struggling hard to pay them back. They call me nonstop. I just got my first paycheck for a week of work. It adds up to about 230. I have to pay my 160 phone bill its usually 60 but I have fallen behind on payments, my 75 car insurance, and the Cash Store loan..Does anyone have any advice on how I can work this out? I find myself crying all of the time because no one is willing or plain unable to help me. I feel desperate and completely alone, not to mention Im sure my credit score is plummeting. I know Ive gotten myself into trouble. Please help.  <response>: Youve learned a valuable lesson... Never ever take out a payday loan again, especially for things like birthday presents. But you can totally and completely recover from this. Youve got 230 to get you through the next two weeks. Go in the loan place and give them 200. It is not the whole loan, but some is better than none. Tell them that is all the money you have. You will have late fees. Ill be honest and say you cant afford a 160 phone bill. Look into canceling your phone and switching to a different carrier. If you cant cancel, tell them you cant pay for another two weeks. Call you car insurance, also tell them youre going through financial distress and ask if you can have two more weeks. You just straight up dont have the money.That leaves you 30 for two weeks. Save it for gas. Ask your parents for help with food. Ask your boyfriend. Admit your mistake even though it is embarrassing. 