Mitul is a college student at UT. He is currently working a part-time job and attending classes. He has taken out student loans for the cost of tuition, but he is trying to pay his other expenses with the wages from his part-time job. Mitul currently has $50 in his checking account, but his $75 utility bill is due on Wednesday. His next payday is not until Friday. He has overdraft protection, but he really doesn't know what it means. Explain the concept of overdraft protection to Mitul and provide him with a recommendation for what he should do in this scenario