<prompt> Human: I need to get back to school asap. I go to school in Missouri but live in Texas. As much as I hate to, I believe that I will need to take out a few payday loans to pay for a flight back to school and my first month of rent. My school is already paid for through scholarships and loans. My parents are unableunwilling to help me pay for school. Seeing as though I have no cosigner, it is my only option to take out small payday loans to get over this hump. I have a job in Missouri and make about 800 a month working full time. Will taking out a loan make matters worse for me? Need help in deciding.  <response>: It sounds like you intend to take out a payday loan for longer than.. a payday... This could easily destroy you. 