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Ask your creditors for more time to repay them. They may be willing to work with you. If they offer an extension on your bills, find out if they’ll charge you for that service — through a late charge, an additional finance charge, or a higher interest rate.
Try to get a loan from a credit union. Credit unions typically offer lower interest rates than banks or other lenders, and some federal credit unions offer “payday alternative loans,” or “PAL loans,” for small loans. PAL loans are much less expensive than payday or car title loans. Some state-chartered credit unions offer loans similar to PAL loans.