Being a young teenager.

We don't give loans here, have you thought of settling the account either pay it off in full or make a settlement, and another or contact them to make payment arrangements...Dont forget there is a SOL on debts owed..

You can use a portion of your income and pay to the phone company. Call them and work out a realistic plan. They might agree to the plan. I don????????t think you need a new loan and increase your overall expenses for this situation.

Some cell phone companies offer military plans for people just as you. They suspend the phone, stop charges, but lock up your number.

Might be worth a phone call to them. Maybe you can prove a date of deployment and get those charges down.

I served in the Army, talk to your Platoon Sgt. (remember the chain of command!) When he/she talks to your LT he should know how to help you utilize the debt counseling the military offers and help you solve your problem.