u/FrontAd4097

I’m 19, pregnant, and almost £4000 in debt.
I have 3 months until my due date. I want to sort my money out and sort my life out before baby girl is born.
I’ve been looking into personal loans so it’s one manageable payment but I can’t seem to get accepted anywhere. My annual income is around 21800, and my credit score is almost 600 so I’m struggling to understand why I’m not being accepted.

I also have gotten into a vicious cycle of wagestream meaning I borrow money from payday but then lose out that money and need to borrow from the next months, I’d like the loan to cover that cost so I don’t need to do that anymore

I just need some and any advice to get out this hole.