<prompt> Human: So little back story. I live alone and have been paying 300 a month on a 8500 loan. The loan was for credit card debt I had when I was younger but I was paying 27 apr on them and the loan is at 7. Well fast forward go now, loan is down to 3500. But Im living pay check to pay check. After some car issues and other life problems my credit cards are back up to around 6000. Can you increase a current loan? Im looking for a better paying job but right now Im just lost. My credit union is obviously closed today and with me working full time and in college full time I always forget to call and ask on their open hours. Any tips or help would be so appreciative. Assistant: Youre living way beyond your means if you have to accrue new debt all the time. Please understand that, and try to decrease your expenses. It can safely be said that your debts are an emergency and that you should work on them with all your might. If your personal loan isnt a line of credit, then no, you cant take out money again from the same loan. You would have to apply for a new loan and I dont know whether the bank will allow you one, given how you havent even paid off the previous one. This is your wake-up call: from now on, try to live on substantially less than whatever your income is. So that youll have money to pay off debts and to handle the unexpected expenses that will always happen.PS. By all means, try to find a loan at a lower interest rate, so that youll be able to pay it off quicker. But if you wont change the way that you handle money, you will continue going in debt, and thats no way to live. Human: I appreciate the comment. I was young and dumb when I gained all my debt. Ive been working hard an paying off as much as possible. Im at a loss for what I can cut back though with my spending. The food I eat is all frozen cheap meals or expired door from my work. When something expires we throw it away or sell it to employees mostly me for cents. My diet has me a bit sick honestly but its all I can afford without opening more credit. Living alone is hard and I did get a roommate which helped tremendously I thought, except my friend doubled my electric bill and tripled my water bill. Didnt pay rent on time, ate all my food and destroyed my place, including putting holes in my walls. I kicked him out after a month and a half but he did so much damage that Im still trying to fix it all. My debt bothers me and stresses me out way more than I feel is healthy. Im hoping a new better paying job can benefit me but Im not finding any that will work around my college schedule.  <response>: The food I eat is all frozen cheap mealsYou can eat healthier and cheaper than that.Oatmeal by the canister for breakfast think the quaker oats canisters, not little premade baggies you microwave, white rice by the bag think 1lb and up from the mexicanasian food section of the store, frozen veggies by the bag store brand is 6 servings for 2. You can even throw in chicken get the fresh stuff on sale bone in for between 1.50-2.00 a lb for your protien.With those ingredients and some various spices and creativity you can create a wide variety of stirfries and other meals. 