Hi jlmckerracher , welcome to the boards, there are many here who have been or are in the same situation you are in. First off you need toncentrate on getting your rent paid, your daily expenses are your first priority. Your credit cards are the next on the list and then those horrid payday loans, they fall way to the bottom of the ladder. Anyhow are your loans store or internet, what state are you residing in? keep posting and we will do what we can to help you out