NO MONEY!!!!!

I have really got myself into something!!! I live off campus with a pretty well paying job but recently I've been getting those pay day loans and now the refinance charges are kicking my butt!! Plus I keep getting overdraft fees from my bank!!! And I share one of my accounts with someone else. That account is currently in the negative and I don't want that person to have to deal with the funds being extracted from her other accounts!! In the mean time I have rent and utility bills, not to mention gas (as expensive as it is these days!!). To top it all off, I filed my taxed and owe $900!!!!!!!!!!!! Any suggestions please!!!! :(