<prompt> Human: So to make this post a little more simple and bitter-sweet, Ill go ahead and try to sum this whole shit sandwich situation up.A series of unfortunate events have placed me into a position where I am constantly behind in my finances. I do not spend frivolously, I do not make purchases I cannot afford. I save as much as I can to cover my car, Gas, Rent, Utilities. Everything. I live in Dallas, which makes my commutes and the cost of living here all too substantial to keep my head above water.I am 23, And have fallen out of a few fiscal responsibilities due to more bullshit in my life, some being Phone company bills, Rent fallout due to a shit roommate, and a defaulting on a chase bank account which remains 100-200 dollars in the red to this day.I have a recent active account with Wells Fargo, but could not get a loan due to my past banking history. I can not get approved at an Ace Payday loan due to my credit. I cannot even go to some bullshit loaning company that would have me agree to some stupid ass APR rate.So please, If I have not given enough information, please tell me, Because I need a lot of shit to figure out.Assistant: I live in Dallas as well. Which part do you live. What is your living situation like roommates?. Current jobschool. Income and expense. Do you have any assets? Credit score? Without knowing these factors to assist you in the future, not much too go by other than what you already know. Human: I live in Central Dallas.I currently live with girlfriend.I work at a Papa Murphys making 8.75 an Hour. 30 hours a week.No School.Projected income is about 600-700 Per Month.Total expences totaling around 1100 a month.Credit score is roughly 600- 620  <response>: Dude, ya gotta work more. Get a second job if this job wont bump up your hours. You could wait tables in Dallas and make double that easy. 