<prompt> Human: So...I have 1200 coming in, but not for a while so I need the 1200 now. I need to pay off rent and a few other bills. Is the bank my best option? I have had an account there for years. I have bad credit due to student loans. I dont have any credit at all based off credit cards not good, nor bad. I need 1200 cash before April 29. I live in New York City. If anyone can tell me of another place besides banks, then I am open to recommendations. Thanks.Assistant: I dont have a 6 month Emergency fund..The cycle of debt thing doesnt concern me so much because I am in the process of getting that under control.I found a website that seems alright. Im gonna post the link. Please remove the link if its a violation to post it. Any noticeable red flags with this website that you guys notice right away?  <response>: I am in the process of getting that under control.No youre not. I know this is bad form, but I clicked on your username and found out that you ignored your student loans thinking you could just not pay, you planned to send your wife to India to visit friends last month, and youre planning to have a baby in your current situation, too.To get things under control, you need to sell some of your shit perhaps that older macbook you mentioned, stop the spending, and, as both you and your wife are US residents, you both need to get a job - any job. If for some reason youre unable to work, you need to apply for assistance, not take out payday loans. Some of these companies are shady, and you dont want to deal with their harassment on top of everything else.If you cant find work, cant sell anything, cant borrow from family, and cant curb spending, honestly Id just try to explain things to the landlord and pay late. 