<prompt> Human: Ok, So Im really behind on bills. I dont know how Im going to pay rent, the wifi is due to be turned off Monday. and electric bill is waay overdue. I have no real family that I can go to, and no income, and I am very stressed. I am in grad school, and expect about a 10,000 refund from the school in late AugustEarly September. Im most likely only going to accept about 3,000 because fuck debt, and that will get me caught up with a lot.I can not find work, and my program highly discourages working during the school year to the point where they have it in the contract if we work more than 20 hours outside then our contract will be up for consideration, so I didnt get a job last year because I live pretty good on the stipend during the school year. I literally can not find a summer job anywhere. I had 3 interviews, but I must be doing something wrong because Ive had no call backs. Even fast food restaurants dont want anything to do with me. I have a Bachelors and working on a M.APhd and no one is biting.I need to pay rent 700, and lights 209 Im behind on that. Besides that Im fine with the other utilities being turned off. I really need advice on what to do right now. I live in a relatively small city 25,000 in the upper midwest, and the next big city is about 2 hours away from me. Ive been thinking about a payday loan, but they need paystubs, and I wont get that until I start school, where Im also a research assistant and make about 1,300 a month. My credit score is 613, and I have not been able to get a credit card without a security deposit. Ive honestly considered prostitution as I literally dont know what else to do. If I can get a loan of 1,000 then I can pay it in about a month, but dont know where to go, and I never took a payday loan out before.Can someone please give me some options or resources to help? I have no idea what to do. I grew up poor, finished my undergrad in 2016 but lived in dorms all 4 years, and dont have a shred of financial literacy. Please help.  <response>: payday loans are predatory...and you are easy prey...dont do it.find roomates, leave school for a year and make some money, talk to the financial aid office, talk to your bank and see if a personal loan would be possible given your pending 10K refund...anything but a payday loan. 