Now What?

I just got my payment book for my first part of my loan that is due because I had some loans out for another degree before nursing. The problem is I don't have money to pay it without borrowing from the credit cards. They sent me a unemployment deferment request about a week ago, but after reading it I don't think I qualify. You see I'm working PT at a factory. I'm scheduled to work 32 hours a week, but they have been letting me work FT for the past couple weeks since we're busy. It says on the def. req. that you can only work 30 hours a week. I can just barely pay the bills now and still putting groceries on the cc every week. The loan place is closed until monday. Should I call and see if I can get a forbearance even though they did'nt mention it when I called? Or just borrow and pay it and they consolidate my loans in a couple months when the other payments start to come due?

PS: I'm still waiting on the nursing job I accepted. Its contingency for now, but she said I could work as many hours as I wanted. I was planning on working there for 36-40 hours a week and then 5-10 more at the factory to help get caught up until I at least get hired in FT. Its been a week now, but she said it would be a week or 2 for the paperwork. I hope there is not a problem as the jail job and the other nursing home I applied at never called me back even thought they said they would either way.

Or should I just send in the def. req. and hope they don't check my working status? I don't need any trouble. I think I have to go back to PT next week anyway. Any advice would be appreciated.