@nina_moneymentor: Payday loans will ruin your life! Those loans are scams, they're predatory towards people who are desperate for money. When picking out a loan, you want to make sure that they give you terms that won't have you paying back interest forever or putting you in a position to have to consolidate or even file for bankruptcy. That's why I like @SoFi personal loans on top of the fact that they give you a $300 bonus if you qualify ($1000 if you're a doctor or dentist). You don't get a credit check if they don't approve you, which gives you the opportunity to at least see if you can receive some support. I've gotten a loan from them before, they have great customer service, and they work with you! Just make sure that you can afford to pay back the loan before applying for one. Do you have fears about applying for a loan or refinancing? Let me know in the comments. ##personalloan##loans##refinancing##sofiloans##paydayloans