Follow up on previous post/additional questions

Of course, I will try to pay loans off as best as I can (even if I just do the smaller ones first). However, if I have payments that are overdue, do you think I would be ok and not have my paychecks taken if I can't pay all my loans in full until I get my income tax in February? I know that's several months away, but I don't see myself having that much income to pay them off in full when every check goes to a different bill/groceries, etc. Also, what about making a new cashapp account entirely?