<prompt> Human: im part of a household that is financially retarded, which has lead to our family unit hitting rock bottom. its 3 of us and 2 of us are working minimum wage jobs. our rock bottom is now living in a motel for around 300wk, which is making the ability to save move at a crawl. ive been looking to personal loans and credit cards, but as someone with no credit no credit history or anything, my scores a 6, i dont think id be approved.so what are my options?  <response>: Get a job that isnt minimum wage. Every call center on earth will pay more than what youre making now, and theyre always hiring. So are physical labor jobs. If the 3rd person is jobless as opposed to having a job making more than minimum wage kick them out. Being that broke and getting a credit card or loan to solve your problem is part of the financially retarded bit. 