u/ChemicalReaction2002

Hi, new here on redddit and as per advice by a friend that I should seek help here since mahirap mag open-up sa close friends or family ko regarding my loan matters.

I've been using Atome for 4 years now and have been a good payer ever since, and I can say it really helped me a lot in school for my emergency expenses and other needs. Recently I also judt graduated from college and have been doing part time till we start our review ssason for the boards.

Due to the needed expenses for my final year in college, my parents funds couldn't suffice the need to pay for all the bills, at di ko rin maisip na imbis last year ko na sa college ngayon pa ako magkaka abirya, sp I decided to use Atome to cover the remaining balance of all the fees.

Atome gave me a huge some of credit and cash to use, kaya tinake ko yon as an advantage. My credit limit is at 19,300 pero I have an unbilled amount of 3,899 while sa CL ko naman, they offered me 35,000 at sinagad ko nang kunin, tapos pag kasama ang interest rate nila nasa 43,919 ang need ko bayaran. Na convince at nagpaito namam ako sa kaibigan ko na kunin ko na lahat kasi ok lang naman daw si Atome when it comes to ODs. Pero ngayon na malapit na ang due ko sa CL, naka ramdam ako ng takot kung pano ko siya babayaran.

Ang total na bill na dapat kung bayaran this month is 10,633.88

Kung babayaran ko to mauubos yung sahod ko sa part time job, like literal na wala nang matitira sakin. Kung sa credit card lang, kaya ko pang bayaran ngayong buwan, pero yung sa cash loan ko diko pa talaga kaya.

Alam mo naman na kasalanan ko din, pero nag babaka sakali lang din ako dito sainyo if you can give me any advice on how I can deal with this matter.

Mag rereview ako for boards ng 4 months, at then on wala na akong source of income kasi naka locked in kami sa review center, then mag take ako ng boards sa october, mag hihintay ng result if nakapasa ako. Magbabayad naman ako if there's work na, wala naman problema sakin ang pagbayarin ako pero sana mabigyan pa ng option.

Ano po opiniom niyo sa situation ko? Badly need your help po.

Hi, new here on redddit and as per advice by a fruend that I should seek help here since mahirap mag open-up sa close friends or family ko regarding my loan matters.

I've been using Atome for 4 years now and have been a good payer ever since, and I can say it really helped me a lot in school for my emergency expenses and other needs. Recently I also judt graduated from college and have been doing part time till we start our review ssason for the boards.

Due to the needed expenses for my final year in college, my parents funds couldn't suffice the need to pay for all the bills, at di ko rin maisip na imbis last year ko na sa college ngayon pa ako magkaka abirya, sp I decided to use Atome to cover the remaining balance of all the fees.

Atome gave me a huge some of credit and cash to use, kaya tinake ko yon as an advantage. My credit limit is at 19,300 pero I have an unbilled amount of 3,899 while sa CL ko naman, they offered me 35,000 at sinagad ko nang kunin, tapos pag kasama ang interest rate nila nasa 43,919 ang need ko bayaran. Na convince at nagpaito namam ako sa kaibigan ko na kunin ko na lahat kasi ok lang naman daw si Atome when it comes to ODs. Pero ngayon na malapit na ang due ko sa CL, naka ramdam ako ng takot kung pano ko siya babayaran.

Ang total na bill na dapat kung bayaran this month is 10,633.88

Kung babayaran ko to mauubos yung sahod ko sa part time job, like literal na wala nang matitira sakin. Kung sa credit card lang, kaya ko pang bayaran ngayong buwan, pero yung sa cash loan ko diko pa talaga kaya.

Alam mo naman na kasalanan ko din, pero nag babaka sakali lang din ako dito sainyo if you can give me any advice on how I can deal with this matter.

Mag rereview ako for boards ng 4 months, at then on wala na akong source of income kasi naka locked in kami sa review center, then mag take ako ng boards sa october, mag hihintay ng result if nakapasa ako. Magbabayad naman ako if there's work na, wala naman problema sakin ang pagbayarin ako pero sana mabigyan pa ng option.

Ano po opiniom niyo sa situation ko? Badly need your help po.