<prompt> Human: My bank account is currently 700 overdrawn. This is the result of several months of the payday loan cycle. The cycle started due to a lay-off at the beginning of the year coupled with a need to move.Heres the outcome of my months of financial awfulness: I get paid 4000 per month on the last business day of the month. I have 1800month of student loan payments. Ive tried very hard to keep these current above anything. This education was the biggest mistake of my life. I wont get into that. Its just something that is now. My rent is 675. My bank account is currently overdrawn until Halloween when I get paid by 700. Most of that balance is overdraft fees they put my small piddly purchases after my bill payment and racked up huge fees on me The bank is located out of state. I had an account with them before I moved but never switched because... I opened a new account in my new location but it was closed due to a negative balance. I left it negative for a while because I couldnt keep my other bank account in a good state. This was several months ago. Not a very smart thing to do. I have one payday loan from greenpicket that I owe 1000 on. Theyll probably start calling me pretty soon about it. I have a line of credit from cashnetusa that has a balance of about 400 and is in good standing. I have a balance of 1000 on both a paypal and amazon credit account. They were in good standing before I moved but I started missing payments and ultimately ignoring them until I was more stable elsewhere. I am being called about these frequently at this point. I have a high mileage car that I need to go to work every day. its not in great shape and will probably need to be replacedserviced heavily within the next six months.For some backstory, I recently graduated in June 2013 with a great job prospect. I co-oped with them over the last several summers and they had an offer lined up for me. The company tanked shortly after I joined them. I moved to start at this job. I am paid well but Im swamped by my ill-advised debt. Ive been letting it slide for so long pretty much out of anxiety and fear. Thats no excuse.My plan currently is, on Halloween, to close out my current bank account after I get paid and move the balance to a new account. Im willing to put up with and negotiate with the payday loan companies until they are paid off gradually. Im going to start making whatever payments I can to the other credit accounts to get those back into a not-terrible standing.I made a lot of mistakes. I know its late, but I want to fix those mistakes and get my finances back under control. If you have any options or advice, please help me. Otherwise, thanks for reading my story and feel free to tell me what an idiot I am I guess.  <response>: Eat ramen and rice and beans until you get out of debt. Try and get your student loans onto income based repayment. Stop taking out payday loans. Stop buying anything thats not a 100 necessity. Start working on the weekends, donate plasma, whatever. Dont ignore it. Now is the time to fix it. It will be hard, but you can do it.Talk with your bank and see if you can get them to reduceremove your fees before you tell them you want to close the account. If theyve done this for you before theyll be reluctant, but the worst they can say is no. 