<prompt> Human: I tried loaning from rborrow but in the end it just staved off the financial destruction briefly. I went to my bank, they declined a 2000 1-year loan, so i ended up going to a payday loan and getting a long-term loan. on top of that Im payday loaning with them every pay as well as with two other places.im just borrowing to pay off loans and every pay it seems to be getting higher and higher.its tempting to just say screw them all and change banks and phone numbrs but im too old for that and readily accept that this is all my fault.not sure what to do - I owe twice what I earn and end up broke halfway between paydays, despite the fact that i make pretty decent money.Do i do a consumer proposal? I declared bankruptcy in 1997 and know that these things stick around for years and can make apartment hunting miserable, but i dont see this ending unless either declare bankruptcy do a consumer proposal. the only other option would be if i can get a big enough loan from my bank any bank with a decent interest rate that will cover everything, but because my credit rating isnt good, Id need a co-signor...but sadly all my friends are also in shaky financial situations.Sorry for going all over the place, its all i can think about and its embarrassing and depressing and I dont know how to get out.any advice would be appreciated.  <response>: Start with details, income, debt, and expenses. 