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These organizations are likely lining their pockets quite nicely, but there isn't much that you can do about this. What to do, however, is decide whether or not you do have a need to do business along with them. People have tough financial decisions to help make from time to time. This isn't the first, and yes it won't be your last. You are doing what you must do, and also you progress. Whether you take out this loan, there are sacrifices to be made.
Tha may be definitely how finances work. You are able to work at bettering your overall financial picture though. It merely requires discipline regularly, as you should make one smart financial decision after another. You aren't planning to choose wisely each time, but stay on your game and save every one of the money it is possible to. There is always grounds to run out, but spending less might help prevent you from needing that loan such as this the very next time your money get really tight.
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