<prompt> Human: I just needed some advicehelp from you guys here in the financial area. Hopefully this the correct spot.About a year ago, I took out a payday loan about 200 to help a quick fix. Now, jump ahead to today, Im stuck with about 6 payday loans out that I cant pay off. All total around 2500. The one payday loan I first took out was fine, but when I saw I might miss a payment on that, I took out another to cover that. This is basically how I got the 6 and how this has gone out of hand. I blame myself for my lack of financial knowledge, but.. now I just need solutions.I only make 600 a check, which is enough to cover one, but all 6 six hit my bank at once then I get slapped with return fees.I looked into debt consolidation loans, but I have no idea where to look. Called a couple banks, and got turned down. Ideally, Id like to turn these loans into one lump pay that down.Any advice?Thanks.Edit : update! Thanks for all the advice Little more detail.I work a retail job. 600 every 2 weeks, 450 a month for rent. 25 phone. Thats. My Max expenses. No car. Ive been battling this debt for about a year now. And honestly, I havent been living by my means. Ill still waste money on stuff I shouldnt while I still have this debt.Now Im trying to fix all if this. The banks denied me for a consolidation loan. My credit wasnt good enough to use lending tree or prosper. I did close my bank account and opened another, so my checksare mine for the moment.  <response>: meta this subreddit rules. I see nothing but people trying to help. This is why I subbed. This is a nice change of pace from other subreddits I subbed, like rlawschool, where someone asks for help with crippling student loan debt, and half the responses are making fun or criticizing them for having the debt in the first place.Im sorry I cant contribute the top answer Snowball-esque response would have been my advice, but I just wanted to give you all thanks for being adults, mature, and helpful for this poor person. meta 