<prompt> Human: Im 22 and broke. I have no job, and no money. I am desperate. Is there anyway to get a loan that can be paid back in monthly installments. I pay a regular amount each month until the loan is fully paid. Im looking for a job. I wanted to borrow more than I need and use the remaining money to pay a monthly payment. Until I get a job and am able to pay the money back. I know it is stupid but is there any possible way to do this. I s there a way for me to find a lender without it being a scam?  <response>: For the love of god DO NOT DO A PAYDAY LOAN. You think youre struggling now, payday loans are perfectly marketed to someone like you: desperate, relatively small need, no definitive prospects for income. Those loans are designed to trap you into an ever ballooning debt youll never get rid of. It may seem insurmountable but 300 is not a lot. You could earn that in one or two days just doing odd jobstemp jobs. 