<prompt> Human: Her monthly expenses are equal to, or even slightly exceed her pay currently. She took out FIVE pay day loans totaling to around 2000 To put a down payment on a new car that she is struggling to pay for The car payment is 473mo due to her less than great credit score. She also has three other loans from local banks totaling around 9000. Needless to say, shes unable to receive an additional loan to consolidate her debt. What are her options here? She does have other expenses such as phone and insurance, etc.  <response>: She is borrowing too much money and not making enough money.Sell the car.Get a second job. 