<prompt> Human: Im short on rent and behind on bills. I know payday advaces are evil but my local store offered a 2500 loan for 141 APR for 24 months. I have no where else to go and cant afford to lose my home. EDIT: More info2500 Loan. Monthly payments 323400 - Rentnbsp;780 - Bank loan Payments are 178 atmnbsp;200 - credit card Payments are 50 atm nbsp;Remainder: unsureAssistant: Yes.You will pay 316.69month for that entire time, for a total of 7576.67.This will not improve your situation, it will make it drastically worse.I would seriously suggest making arrangements now to move into your car for a few months, because youll find yourself doing so within a few anyway. At least you can do so while you still have a shred of good credit left.Human: this is out of the question, i have a pregnant wife and child ...Assistant: Can you ask family for help? Apply for emergency assistance from the govt? Ask a church to help? Hell, using a credit card would be better than this loan. At least the APR would be less than 141!!Human: family is around. Im just above the gov requirement for assistance and im maxed out on credit.Assistant: Jeeze dude, your credits maxed and youre living less than paycheck to paycheck and are behind on bills. You might want to seriously consider if you guys can move in with any family for a while. How pregnant is your wife? Can she work a bit? Are you getting WIC? Your wife should be eligible for that at least. Can you get a second job as well? At this point it sounds like thats needed.Human: family isnt around for either of us. and we are receiving wic my wife is 6 months pregnant and she watches our son. yeah second job would be beneficial but my wife is really tired at the end of the day and relies on me to watch our toddler when i get home  <response>: Im sorry to say this, and Im not being a dick, but you dont have a choice. You guys dont have the income for her to have the luxury of her relying on you to watch the toddler when you get home.You will soon be homeless if you dont find a way to increase your income or reduce your expensesYou have a 2nd kid on the way, and your credit is maxed out, and youre only working one job? You need to get a 2nd job. Now. 