More people are turning to personal loans for basic needs like food and rent—up over 8% of applications—and that number has more than doubled in just a few years. While it reflects financial strain, it’s also a costly trap: high interest can spiral your debt. Instead, cut back on non-essentials, pause unnecessary spending, and reach out to creditors for hardship programs or payment plans—often cheaper than borrowing. Smart moves now prevent bigger financial headaches later.
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