I believe there's like a three months grace period right now because of covid-19. So maybe you could save up your money or sell a few things you don't need them some website
Unfortunately, I think the only option is to try to find the funds. They don't offer payments or assistance of any kind, and they actually look for ways to deny you what you're trying to do. Just assume that anyone in this office is only interested in their paycheck and getting you out of their face as quickly as possible.
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