I don’t know anything about credit counseling…

So I can’t help you with that unfortunately. I do think it’s important to identify exactly WHY your account was overdrawn. What triggered the overage…a purchase you made, miscalculation, etc? Identifying it is important so you can take steps to prevent it from happening again.

I wouldn’t put anything more to savings until you get these payday loans paid off. How much is this new loan for and what are your plans to pay it off?

Sorry you haven’t been feeling well!