["I'm afraid I won't be able to afford my car payment this month.", 'Oh no! Can you do some gig economy work online to try to make enough?', "That's what I'm trying to do, I might have to take out a payday loan which I don't want to do!"]
Woah that's awful, those things are such a rip off!
I'm afraid I won't be able to afford my car payment this month.  Might have to borrow money.