$500 interest a month on an $1800 loan is well over 300% a year. I don't know of any place where that is legal. You may want to start by seeking legal advice on the terms of the loan from a competent attorney. Otherwise, start delivering pizzas on the weekends and get it gone. I know I was making just under $1000 a weekend delivering pizzas on Friday, Saturday and Sunday nights back when I fell on some rough times.