I am in dire straights. I am working full-time, a parttime student, doing a 15-hour internship, and have a 3 year-old son. I got behind on my bills in late August and have been struggling ever since. I'm behind on my electric, oil, and phone bill. My check goes to the mortgage, food, and transportation. I just need some help catching up! I would appreciate a loan of about $3,000 until my taxes come in, at which time I will pay the loan off.