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Any advice for an IDIOT?

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In the past I had some issues w/ my credit. I was too young to have so much and until about 3 months ago I was on getting back on track. I fell a bit short one week and went to one of those dreaded PAYDAY loan sharks. I have gotten myself in shuch a mess here. I have 2 of these now and they are costing me almost $200 every 2 weeks in fees alone! I have been approved for a cash loan that would enable me to pay off everyone including these money vacuums. This would cut my monthly bills by about $200/month. I would loe to jump on the loan but there is a catch. They want 2 payments (fully refundable supposedly) up front. Refundable incase you change your mind. The company has a physical address, local phone number (although it is a recording to tell you to call toll free #). The name of the co is National Lending Info. Anyone heard of them? I feel like such an idiot. I am sinking fast and need a life preserver (advice) please. :(

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I'm sorry to hear about your situation but the only thing I can offer is the following:

Sell off whatever you can. Everyone has something of value.

You might have money you can borrow against, like a insurance policy or CD's.

How about a relative? My mom put up her CD and I took out a loan at the bank against the CD.

Do you work? Do you have a 401K or IRA's you can cash out? How about your boss? My old boss frequently gave loans to his employees, interest free.

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