<prompt> Human: So Im a senior in college and have already racked up a bit of student loan debt. Im living off campus this year to save money on room and board and the like. It was working for awhile, but I wasnt able to make rent payments because I only work 12 hours a week at minimum wage. My mom offered to help me with rent and has been doing so for about two months. However, she got a phone call sometime in late October saying that she owed 24,000 in student loan debt. They gave her two options: 1. Pay the full amount not really an option2. Pay 3,000 now and make monthly payments of 298The alternative would be losing her nursing license until the full amount is paid. She was supposed to have this done by November 1st it is now November 2nd. The person on the phone told her that if she can pay it before her license shows up as suspended then that will be okay and it wont process. This process usually takes 10 days. Her boss took her off the schedule and said shes checking the website everyday and as soon as her license shows up as suspended, my mom will be terminated.If she loses her license, she wont have the ability to make enough money to do anything which is really stupid. She asked my uncle her brother who is very financially stable and has already lent me 12,000 for school for some help with this. He seems weary and hasnt really said yes or no, but were on a really strict deadline. My mom has asked me to try to get a personal loan for the amount she owes, but Im not sure if I can even get a loan. Im in a fair amount of student loan debt already, but have been making interest payments for awhile, so my credit score is 684. Im pretty sure lenders look at more than just that number, though, so I dont know if Ill be able to get a loan. And dont really want to get a ding on my credit report for a credit inquiry. My mom has asked several of her friends and other relatives who have also been denied a loan. So the position Im in is, do I try to get a loan to help my mom out so she can continue to help me out with rent? Should we wait it out and see what my uncle says? She said she gave them 550 already to try to show an effort, which meant not paying the cell phone bill our phones are off now, so my uncle and anyone else cant even contact her. Thanks for any advice.  <response>: This might be the one time she should consider a payday loan. But she seriously needs to reconsider her budget. Why does She have nothing saved? Why is she borrowing money from family? Nurses make good money. She needs tompuck up extra shifts. She needs to move into a one bedroom apartment, get a beater if any car, etc. a payday loan is a very temporary fix and will quickly get her in trouble if she vies the pay it off right away. She should sell anything she can including a TV if she owns one. 