<prompt> Human: To make things short I have a class that will cost me 230 and I dont have the funds to pay for it because I fixed my car and paid the phone bill recently . My check last week was missing two days worth of pay because of incompetent management and they apologized and said it will be on the next check. The deadline to pay for the class is Thursday and Im on the fence about taking a loan. I looked up online payday loans and found ACEcash and a 250 loan will cost me 300 and I would have to pay in 2 weeks. I always hear bad stories about payday loans but it is a bad option for someone in my shoes? Im also thinking of asking friends but it such an embarrassing situation and I wouldnt want to out my friends through and burden. edit: Yup Im not going through with this payday. Appreciate everyone who sent me advice I love you all.  <response>: asking friends but it such an embarrassing situationThink how much more embarrassing it will be in 3 months when youve rolled over that payday loan 6 times and you now owe 1,500 that you will then need to borrow. 