<prompt> Human: Ok so Im in college right now and I took out a line of credit with this company because things started looking grim.. you know in the starving college kid kind of way. Im working full time overtime as a juvenile detention officer but Im not making enough to cover just surviving. The loan company became a backup plan for me. I would use it as needed, till my college refund would hit, and I would pay it all off in full. I knew it was dumb, but I didnt know what else to do. The company liked how I would pay off large amounts at a time and started to increase my credit limit higher and higher till in April I was no longer was able to make my min payment, due to bad timing of a mix of medicaldentalcar issue aka everything started to fall apart. Now because of interest my min payments are up to 1k for the now 4K balance started at 2k with 300 payments. Ive tried to talk to them but they said until I make a payment more than the min. 1k payment I cant get help I do get a refund check for school in August but now its not enough to cover it. I have many, many more bills to cover and now Im drowning. I dont know what to do.. hell they may not be anything I can do. Assistant: I checked out their website...The corresponding annual percentage rate is 29915 transaction fee... This is not even loan shark, its loan kraken.Do you have a decent credit score? Can you possibly take out a personal loan or put this on a credit card? Anything is better than this insane deal.Human: I hate myself for all of this. I wish I was smart and took the time to read what I was signing my life to...  <response>: Relax. You fucked up but this is not the end of the world. That being said you should do anything you can to get this shitty debt paid off. Talk to some credit unions about a personal loan consolidation. Sell anything you have. If you have a car sell it and figure out a ride to work. Even taking out a cash advance on a credit card is preferable to this. Second job waiting tables so you can get cash in your pocket asap. 