<prompt> Human: hi guys, this is my first time posting here. ill try and be as specific as possible, but im not in a very good mindset right now so if you need any additional information please let me know. apologies if this is too long as well.basically, im caught in a payday loan cycle that i cannot seem to get out of. ive become incredibly aware of how stupid it is to take one out at all and once im out of this, im staying as far away as possible from them. i just cant figure out what to do and need advice on how to do that. i have 2 payday loans, listed below:SpeedyCash - current balance 836; minimum payment on this is 248 every 2 weeks. interest also accrues by a small amount every day, so its incredibly hard to get this paid down at all, since i dont have extra money to throw at it. so most of the time i just do the minimum. by the time the next payday comes around, its right back to the amount it was. this one has been going on the longest and is my biggest issue. CashNetUSA - current balance 690; technically, the entire original amount of the loan is due on your next payday. if you cant do that, you have the option to extend your loan and pay it on the next one. the extension fee is 175. however, this does not lower the balance at all, its simply the price you pay to extend it. they give you the option to add a partial payment, which is what actually lowers the balance. ive been putting about 75 as the partial payment, so it totals to about 250.now for my finances:i work full time, bring home around 850950 every two weeks, on a friday.my fixed bills are: 223 car payment, 350 rent i live with my dad, 110 water. the car and rent come out on the same payday, for a total of 573. which leaves me with approx. 400 left til next payday. obviously, this is not enough to cover the minimum payments that the payday loans want me to do.i have cut out a 150 uverse payment, and a few other smaller things such as spotify, hulu, etc. the rest of the money goes towards groceries, gas, therapy, psychiatrist appointments, etc. ive considered closing my current bank account, letting the loans default temporarily, and contacting the companies to see what i can do in the way of a payment plan. but im super nervous that theyll take legal action against me and thats a whole other ordeal i dont want to go through. also, note: i did an ACH revocation for SpeedyCash awhile back, so payments arent automatically coming out of my account anymore. however they took out a payment today despite that, im not sure if thats fine for them to do or not?i just dont know what to do anymore. this has gone on for way too long and its seriously taking its toll on my mental health which has never been great to begin with. i stay awake at night worrying about money and i hate not being able to save up for or do what i want because the majority of my checks are going to these companies. my family is unable to help, as they dont have a ton of money either.i honestly feel hopeless at this point and my stomach is in knots just typing this out. any advice would be very appreciated.  <response>: Get a second job, sell some of your assets. These are trivial amounts of money in the big picture. You just need to buckle down and you could have these paid off in a month or two. 