<prompt> Human: I guess Im just looking for advice here, I feel so stuck and I finally broke down and cried last night. I am stuck in a damn payday loan cycle and have been for a year. I owe 2500 on a 289 loan, and I have only been able to pay the minimum amount 300 every two weeks. I have literally paid over 1000 in interest just to still owe the exact same amount 1 year later. Im 20 and I dont have any close friends and my family is not involved in my life, including parents. I dont have great credit so I cant get a loan for lower interest Ive tried multiple times, but I know if were to have a better loan, I would have it paid in 2-3 months. I work extra and put all of my extra money toward these loans, but the amount is always the same. My boyfriend and I live together but he currently doesnt have a steady job because of an injury, but he does work for people to make money a few times a week. That money goes toward the loan usually and a little bit of food and gas. But we still go without food just to pay the minimum or extra sometimes. Still the same. Here are my monthly expenses:Rent: 400 my boyfriend and I live with a friendCar payment: 132Doctor adhd meds: 150Phone: 150 both of our phones and plan for 5gb, also a 25 discount though one of my jobsCar insurance: 150 for both of usSchool: 59Loan minimum: 300 every 2 weeksMy job I just started pays 13.25 and I work 40 hours, and I also try to work at my other two jobs on my days off or work a couple of hours when I get off during the week and thatll bring in 100-200 or so, but sometimes the most random accidents happen and extra month cant even go toward the loan, then I still end up paying just the minimum and I rack that interest back up. I am trying my damn hardest and Im not getting anywhere. Ive started selling my stuff. Even considered stripping for a brief moment. Are there any places that for sure will give a lower apr loan for good people that are just stuck in a bad situation? I pay everything, its just that damn interest... Ive also spoken with them and they basically told me they cant do anything to help me other than extend the due date which doesnt help me at all. Does anyone have any advice for me?TL;DR: Stuck in a payday loan, decent income and extra money still ends up paying for the interest alone and I am falling extremely depressed over it.  <response>: Have you called the 211 helpline? There may be a program to assist you there.Can you apply for SNAP? Your household income and assets may be too high, but its worth checking. Dont forget to list the cars as assets, they dont usually count against you.Even if it would only free up 200month from groceries, that would let you pay down the loan.Heres a screening tool to figure out if you can apply.Note: when they ask if youre disabled that is a very strict criteria, read their requirements. They dont mean actually disabled, they mean documented disabled usually receiving other benefits of some kind.If not, try going to food pantries to cut down on food bills? Im assuming you already use thrift storedollar store whenever you can and do not pay for restaurants or fast food if at all possible. 