@Morgan
Maybe… but we’re only talking about $3500. You can pay that off without a loan.
I wish I only had $3500 in debt… mine’s a lot worse 
What’s your minimum payment? You could easily make that extra cash doing side gigs. If that’s not possible, sell off some stuff you don’t need like your console or bike.
Don’t stress too much, you’re going to get through this.
Pay off the payday loan first. The interest on those is brutal. Check out any job or work programs in your city that can help set you up with certifications or job placements. They exist in some places, so it might be worth seeing if there’s something like that where you live.
Check out Apprisen’s website. They’re a nonprofit that helps people with financial education and managing debt. I did a debt management program with them, and they negotiated much lower interest rates with my credit card companies. It made the monthly payments a lot easier to handle.
You’re in recovery, right? So just work it off. Payday loans are a nightmare, but now you’re on the right path. Just get it done, no shortcuts.
You’ll have to tighten things up for a while. Focus on paying off the worst debts first. A side gig can help, and if things get tight, donate plasma for some extra money to put toward your highest interest debt.
Just get another job and pay off the debts. Simple as that. Good luck!
First of all, there’s no debtors’ prison in the U.S. If you default, creditors might try to sue, but for $3500, it’s not worth it for them. They’d spend more on the legal process. Make a plan to pay what you can afford. If they call, tell them what you’re doing. Stick to your plan and prioritize paying off the debts with the highest interest rates. And yeah, avoid payday loans in the future. They’re a scam. In the grand scheme of things, $3500 isn’t that much.
Dude, $3500 isn’t that bad. I’d focus on paying off the $2300 credit card debt first.