<prompt> Human: Hello everyone! A friend told me to get on here and ask for advice. She said people are really helpful here, so I hope you can help me! I currently had a bump in life. Long story short, my only roommate who happens to be my younger brother has been out of work for the past couple of months, so I have been picking up where he hasnt. He has been doing some side jobs, but not enough to cover his half. I am hoping he finds work soon, which I am sure he will. I am also hoping he will pay me back after he gets a job, but that is up in the air.With that said, I had to take out a few loans with some companies in town Quik Cash, Ace Cash Express, and probably about 3 others. They were all smaller loans of 100-500 each. In total, I have racked up around 2500-3000 in loans, that I am currently unable to pay back, within the last few months. I also have 2 credit cards open, and a line of credit through my bank that I need to pay off. I have a full time job and get paid about 350 a week, but my current bills plus having to cover some for my brother takes up most of check on a weekly basis, so I cant pay back the companies I owe. I have maybe 20 a week left over in cash to spend on food and gas to get to work, so theres just no way Im going to be able to pay back these companies any time soon. Plus I find myself constantly overdrafting my bank account using the courtesy pay option to pay bills on time, thus sometimes racking up overdraft fees.My main questions are is there a fast way to get out of this predicament I am in? Would debt consolidation work for me and could it be attainable with a credit score of less than 500? The only answer my friends and family have are to get another job, but I feel that is asking too much. What are my options here? What is the best way to handle this situation I am in?  <response>: 3000 of payday style loans isnt something you are going to pay off with 350wk in earnings. The average interest rate on payday loans is 40037; which means well over 200wk of your 350wk income would be needed just to pay the interest.That is a non-starter and given that your brother appears to be lazy what younger person cant get a job in a week in todays economy even with no skills? you are pretty much doomed.Bankruptcy would resolve your short term problem, but you would need a lot more money than you have to even file for bankruptcy and unless you fix your other financial problems youll be right back in debt with no ability to file again for many years.You are unlikely to qualify for a debt consolidation loan given your low income, poor credit history and high level of debt.I dont think there are any easy answers to your problem but it is clear to me that you are going to need to just stop paying the payday loans completely, get your deadbeat brother to either start helping out or you will both be out in the street. You may need to get another job just to stay ahead of the loan sharks, aka payday loan companies, trying to garnish your wages and certainly you are going to need more than 350wk to make it even without considering the payday loans. 