Almost at a financial dead end

[jcollie719]

Freddie from Primerica told me I may be able to adjust the monthly payment on my loan. I consolidated all of my other debt into the loan two years ago (when I was still working on weekdays) and have been paying about $198 per month. Even though I've cut back on my expenses since being laid off, the remaining expenses have almost completely eaten up the money I got in my severance package. I think the unemployment office allows people to have unemployment pay direct deposited into their accounts. That would be much easier than putting it on a debit card, then withdrawing it and putting it into my account.