<prompt> Human: A bit of background:21 m, living with 20 f roommate for shared rent, not happening just yetPaying for both of usFor some reason my personal phone bill decided not to auto pay last month and now I have 2 days to pay 350 in a late fee and an overdue fee. My rent is also due which I will be paying in a few days, but I will run out of emergency food in probably a week.Unfortunately, my phone is basically required for my job.16kyr, 10kyr take home pay 40hrwkThis next payment from work will net me about 550 which will pay my utilities 120 and the rest to my phone bill, but I wont know how much theyll add to it for another late fee since I have no way of paying it this time already.I also have no car after an accident which sort of caused a lot of this two months ago. Luckily my work is only 5 miles away.I have am eligibility to a credit union in town as part of my work. Would the best course of action be to take out a sub- 500 loan and pay it off over however long? Either way I wont have any food for around two months, but I can handle that as long as I drink lots of water those two months and walk more slowly. I average around 13miworkday. Any other info can be provided, I just would like a bit of advice from more experienced loaners or so on.Ive read the FAQ and Wiki.Edit I have no credit aside from payments for my apartment since August and my phone since July because I dont believe in buying things I cant actually pay for, and would rather wait to pay it in full. I have no credit card, only a debit. My bank is First Security.  <response>: like uThe_Phasers said, this is going to be harsh but you need to hear it...Youre income is povertly level. at 9 dollars an hour working 40 hours a week you should be making 18720. how are you not making minimum wage? You need to be on public assistance if youre not making minimum wage. Job 1 today is get another job. Not quit your job to find something else but work a second job. 80 hours a week never killed anyone. Im still working 70 hours and Im 32.Second, if your phone didnt get paid last month, you should have that money, plus this months money. did you spend last months phone money?Unless youre commissioned sales rep you dont need a phone for your job. McDonalds pays more than youre making and it doesnt require a phone. You cant have a job that pays less than minimum wage and requires you to spend your own money on stuff.Your roommate needs to be brining in money yesterday. Youre not a charity. she eats? She pays. I know, its harsh, you have feelings... but brother you gotta take a hard look. Youre making less than minimum wage and youre supporting her... only, youre not.. because you dont have any food.Now that Ive harped on you not making minimum wage... No, you dont need a loan. you cant afford to pay it back. At your income level you probably wont get approved.Call EVERYONE you owe money to TODAY. Let them know whats going on... and get on a payment plan. you need food. that is not negotiable. You can visit a food bank and try to supplement this... but you need to eat first. let them know youll pay them nothing if you starve to death... so food is good for you and them.Go get a second, and even a 3rd job. Look on Craigslist for jobs.I assume the accident was your fault and you dont have insurance which is why you dont have a car. Even if you have liability only, you cant afford a replacement car if your is totaled, so you need more than liability only until you can write a check to buy a new used car.Go look at craigslist for a cheap Japanese car when you do have enough money.You need to work more and your roommate needs to bring in a paycheck yesterday.Good luck, I know its not what you wanted to hear but its what you needed to hear 