I'm Xavia. Better yet, call me stupid. No judgment please. I dug myself into a huge hole with payday loans. I'm trying to get out. Right now I see no light at the end of the tunnel, just darkness. I know it's Christmas, and we all have bills. But please help me if you're able. Thank you. I'm also starting a part-time job in addition to my full-time position to try to get on my feet, but I need help climbing out of this hole. and I'm deep in the hole today so far that my paycheck won't help.