I urgently need a $400 loan to help my family cover essential expenses. Although I’m still under 18, I already earn through online gig work—mainly virtual-assistant tasks and paid survey platforms—so I have a clear path to repayment. My plan is simple: within 3–4 months I will return the full principal plus a modest interest amount we agree on beforehand. No upfront payment is possible, but I’m open to formalising the arrangement here on Freelancer with a clear schedule, written agreement, and milestone-style check-ins so you can track my progress. I’m committed to transparent communication and gladly welcome any reasonable terms that protect both of us. If you’re willing to extend this short-term loan, please reach out so we can finalise the repayment timeline and interest figure right away.