not sure where you live but there are options besides uber that are much cheaper. you're definitely in a tough place, but my thoughts are whatever got you into this mess will likely get you into a bigger mess with the loan.

so your solution to pay your debt is to take another loan for more debt. what you need to do right now is pay the minimum on your credit card, get a job, and use all of the money towards paying the credit card off. no ipad until you pay off everything.

save the money up first then buy stuff. the loan isn't free, it'll have interest. also you don't have a job yet. how are you going to pay off a loan without your job?