<prompt> Human: Heres the thing, Ive tried Prosper and Lending tree. They cant help me because I have bad credit or at least thats what I think it is. My parents kind of said that they would help me out with bills but never did. said they were but they werent paying the entire time. One of the places that I owe money too is my old bank, Wells Fargo. That is definitely my fault. I owe Time Warner, Verizon, Electric, and Cable. I am currently phoneless and that is killing me not being able to get in easy contact with my two jobs. In the way of not being able to easily contact them to find out my schedule and so forth. What are some other loan options that are available to someone who makes 7000 a year and has bad credit? There also isnt anyone related to me that can help me out. Thanks for your time reddit.  <response>: If you only bring home 7,000 a year from 2 minimum wage jobs, it sounds like you need a third and maybe even a 4th job. 