<prompt> Human: Im a 21 year old who is behind on rent. Im a barista who is taking a gap year from school. I had the flu and lost a lot of my hours so this paycheck was not a great one. Im short around 270 to pay my rent. I dont have anything worth selling nor do I have anyone I can ask for money.I bank at Chase and dont have a credit card. Ill be okay food wise because my coffee shop feeds us for free and I also have a lot of dry goods and such tucked away.I cant ask for an advance on my paycheck.At this point Im considering a payday loan. I get paid again the Friday after next and Ill be picking up tons of hours to make up for the days I lost so I feel like I could pay it back in full and be okay.However Ive heard horror stories about payday loans and Im scared to get one. Asking my landlord for an extension isnt really an option because they arent a nice or understanding person and I know they have refused other good tenants.I dont know if I have any other options at this point. Is this a horrible idea? Are there any alternatives?  <response>: Have you spoken to your landlord or your rental management company about extending you a grace period on your rent? Worst thing they can say is no. But yes, a payday loan is an absolutely horrible idea. 