This is predatory lending and I wish it were illegal. I think it's criminal when I drive into the poorest of the working poor neighborhoods and see "paycheck" loan places on every corner--it's exploitation of people who are down already.
Do what you have to do, but I would be very very careful. This is very expensive money and there are cheaper monies to be had. Do you own a home that you could draw some equity out of (i.e. a HELOC--Home Equity Line of Credit? or a refinance--although, if you bought at a low rate, the rates now will kill you--but it's cheaper than 30%, I guarantee).
Do you have friends or relatives that you could contractually borrow from at a low to no interest rate until you get on your feet again?
Is your partner in any position whatsoever to get whatever kind of job possible just until you guys get past this hump? (barring a serious illness or a new baby, which negates minimum wage jobs by virtue of childcare costs, even a low-paying or part-time job would help).
Take a piece of paper and a calculator. Look at how much you are taking in, vs. where your money is going. Look at all your credit card payments, and all payments that involve additional interest payments and look at what is the most expensive--(i.e. got a credit card that's costing 20% vs. a house payment that's costing you 5-6%?) Look at how you can possibly consolidate into the cheaper monies.
Hope this helps slightly.
~Brigid