<prompt> Human: Hello everyone,I am 24 and I am working 6-7ish jobs. I have a full time job that pays 27,500 and my part time jobs that equal almost 20,000 per year.I have taxes taken out of my full time job, but over the entire year I have been spending the extra money I got from my part time jobs Where I used a 1099.In addition to this I have a Paypal Credit account that has reached 5,000. Minimum payments on this account are over 500 and would cost me from making payments on other bills I aquired such as Bestbuy or Carsons.I am very unsure of what I should do. My parents offered to cover the money for the IRS but I do not want to rely on them for my finances. I have been thinking about getting a title loan for my car or possibly a larger loan to consolidate all my bills to one along with paying my taxes. Would this be a smart move?  <response>: Dont take a title loan to pay off debts. 