<human>: So I got a gym membership and I was told that I had till July 1 to cancel to not get charged and I was told I'd have the month of June free. Apparently after the first two weeks I was locked into this contract as the trial was only two weeks. I work at a 7.25 an hour job and work roughly 20 hours and get paid twice a month. I have 207 dollars in monthly payments and I have to pay for my car repairs due to a recent accident which I have no idea if I was at fault for so my insurance might skyrocket. I just need advice and guidance. 
Bonus info: it's a 44 a month fee for the gym for 12 months. The only thing the woman told me was that I could freeze my membership for 9.99 a month and that once I'd unfreeze I'd still have to pay the remaining amount.

Can you summarize the given text in a few sentences?
<bot>: I'm young. I'm dumb. I'm fucked. And I would appreciate some advice from this community I've been told is very helpful and caring