<prompt> Human: I need some serious help. I have 8000 in credit card debt and -500 in my bank account. I literally dont have any money to spend and i have bills totaling up to 1000. I applied for a loan with upstart but they need a passport for verification and I really dont have 200 to spend. And Im trying to apply for a mortgage in about 5-6 months. Since I have decent job right now, Im more concerned about paying down my credit card debt and approving my credit score. Any help would be appreciated. Thanks. EDIT: I am less concerned about the morgage. Me and my sister will need to move in the summer but that is of no concern to me right now. My main concern is getting this loan so i can be more organized. Having to keep up with several bills, 2 of which are credit cards that idek the interest rate on, is very frustrating. My first step is to pay off these cards and just worry about my student loans. Which is only 1,000. Once that is paid off, i plan on locking the card up and using it for emergencies only. But i can do that if i cant get the loan and i cant get the loan if i dont have a passport and i can get a passport if i dont have the money. Are there any loans i can get in a situation like this?  <response>: when you need a loan, typically no one wants to give you one.8k in debt and -500 in cash, would you loan money to yourself? not sure what to say, your best options will be friends and family, or just stretch until your next paycheck rolls in.with 8k of debt, zero savings, and potentially an overdue payment mark coming to your credit report, I can go ahead and guarantee you are not getting a mortgage in 6 months. I mean... be realistic, you typically need to bring atleast 3-5 to closing to cover origination fees alone. You will never have that in 6 months. 