Sometimes, when you're struggling under a mountain of debt, you might consider getting a personal loan or extension of credit—like a credit card—to get you through tough financial times. Although in most situations this tactic isn't a good idea, sometimes it's necessary or even advisable.
If you're going to get a loan or apply for credit, however, tread carefully. It's important to understand what you're getting into. And you should avoid some options, like payday loans.