<prompt> Human: Hi rpersonalfinance,Backstoryfeel free to skipI am a 24 year old single male. And I have terrible credit. This is mostly due to simply getting services that I couldnt afford, or services that I could afford for a while but stopped being able to afford before the end of a contract. I have a few things in collections:- Verizion cellphone that I couldnt pay after I got fired from my job at 18- Sprint cellphone that I couldnt pay once I reduced my hours to go to school full time at 23- Self storage that I couldnt pay, again, because of going to school full time. The stuff I stored in there which altogether cost me 700 was just sold for 20 so that was a really bad move on my part, but as I said I simply couldnt pay for it. Although to be fair one of the things was a mattress and afaik those are hard to resell.- Community college classes that I was denied financial aid for after the drop period, at 22.- Worst of all a credit card. Its a secured card for 200 but I havent been able to pay it off lately as a result of dropping down to part time work, and using it to get a car repair.Recent backstoryMixing full time school with part time work didnt pan out for me. I didnt plan it out at all since Id never worried about financial planning before, and its fucking snowballed into a huge mess. On top of that I was not getting anywhere with my education because I couldnt maintain a workschool balance; during the week Id feel too burnt out to put in enough studyhomework to keep up with all my classes. And I would constantly have financial holds on my college account.So I dropped out of college and started to work full-time again. Mostly this is because a lot of the debt I already have stresses me out constantly, and I just want to get myself in a stable position financially. Currently my score is about 430.For full disclosure, going to full time has come with a raise from 20 to 25 an hour 37.5 hours per week. I was kicked out of the campus housing, and I had about 1400 in the bank, so I found a month-to-month place that is 500mo rent. I get paid biweekly. I figured after security and first month, I could live on 400 until the 15th, which is my next pay day.Like an idiot I completely neglected to factor in cable installation. On top of that I owed my gas company some money for a place I had rented last winter, so I had to pony that up. And then I got an air mattress and table to tide me over for sleeping and computer use until I can get real furniture. After it was all said and done I had been whittled down to 60 until next Friday. Which was pretty iffy but I have a rice maker, and I like rice and beans and didnt feel too stressed about eating super cheaply and putting that all into gas until the sweet relief of payday.However I miscalculated even further; I forgot about my auto-paying car insurance, which took out the rest of my account and then some.Current dayI have -50 in my bank account, and I have something like 80 cents in my pocket. My gas tank is near empty, my work is a 30 minute drive from here and theres no practical public transportation I can use there is a bus but it would leave me with a 2 hour workday. On top of that, although I have food I can make, I dont have a sponge and soap to wash my equipment with. I would like to avoid going full bachelor mode.On the 15th I will be getting a full-time paycheck. If I got paid weekly I would not be in any trouble; I technically have a spare vacation day I can use to skip driving my car tomorrow, and then on Friday Id have money again and all would be well.But thats not the case, I get paid biweekly and I have no feasible way to get myself to work next week, short of begging a coworker to loan me some money, which Id strongly prefer not to do.My question is... is there any way I can get a loan? Although 120 should set me up for the week itd need to be larger since my account is negative; 200 probably.Sorry for all the text. Thank you in advance for your help. I know I probably seem like an idiot who can barely manage himself... which... is accurate. Im trying to get myself on my feet here though. Now that Ill be making a comfortable amount of money and at the same time not stressing myself out with work and school at once, I plan on researching more about how to deal with accounts in collections. Id like to pay all my stuff off, Id like to have decent credit and more than that I just want to feel like Im not hanging on by a thread. But right now thats the reality. If you do provide any help or guidance I would be greatly appreciative.  <response>: And try planning ahead more. Everything that happened to you was a result of not planning ahead. 