So I owe $1300 on my credit card and owe nearly $400 on my phone bill...

And not nearly enough money to pay it all off

I don't know where I'm gonna get that kinda money with my luck in finding jobs has been lately.

It's majorly stressing me out

I wanna cry. I didn't think things would end up this bad when I went on my trip.

It's down to $1500

But i only have $400 between both accounts ;;

Will a personal from a bank help with your situation?

A personal what?

Oh, I’m sorry! A personal loan

OHHHH i've never considered one of those