u/ReasonableSet5024

Today genuinely feels like my last breaking point. My mind hasn’t been quiet for weeks and I’m no longer able to hold these thoughts inside. Tomorrow debt collectors are coming near my house and I’m terrified my mom will find out everything.

A bad phase and some terrible decisions pushed me into borrowing money thinking I could recover fast, but instead everything spiraled out of control. Every day I wake up with fear in my chest, checking my phone nonstop, avoiding people, pretending I’m okay when mentally I’m collapsing.

The amount may look small to other people, but for me it has completely taken over my life. I’ve tried everything to get out of this situation. I tried consolidating the loans, but my CIBIL score is already damaged so nobody is willing to help.

I asked almost every friend I had hoping someone would come forward, even for temporary support, but nobody did. That feeling hurts more than the debt itself sometimes.

 feel mentally exhausted, ashamed, and completely stuck.

A medical emergency in my family pushed me into heavy debt, and ever since then I’ve been struggling mentally every single day.

I’m a salaried individual and I’m trying my best to repay everything, but the loans and pending dues have become too scattered to manage properly. If I could consolidate everything into one loan, I know I could handle the EMI responsibly. But because of overdue payments, my CIBIL score has taken a hit and I’m unable to get any approval now.

The constant pressure, calls, stress, and sleepless nights are slowly breaking me mentally. Honestly, I don’t know how much longer I can keep holding everything together.

Just wanted to get this off my chest.

I’m looking for genuine online side hustles, remote tasks, or beginner-friendly earning opportunities that actually work in India.

I can put in consistent effort daily and learn quickly.

Would appreciate recommendations from people already earning through side hustles.

I’ve been working full-time as a gig worker with Porter for the past 8 months. I work almost every day and depend entirely on this income.

Right now, I’m going through a financial crisis. I have multiple high-interest EMIs to manage, and missing payments will lead to penalties and more pressure. Porter promotes a financial assistance option through their lending partner, so I applied hoping to get some support during this situation.

But every time, it shows that I’m “not eligible.”

I didn’t stop there I reached out to their support team, explained my situation clearly, and asked if there’s any way they can help or reconsider. There has been no response at all.

That’s the part that’s difficult to accept. Not just the rejection, but being completely ignored despite working consistently on the platform.

Gig workers don’t have job security, benefits, or backup. When platforms promote financial support but don’t respond when someone genuinely needs it, it feels very one-sided.

I’m trying to stay afloat, consolidate my loans, and manage everything responsibly, but right now it’s getting overwhelming.

I never thought I would post something like this, but I really need to get this off my chest.

I’m currently stuck in a very bad debt situation. What started as borrowing during a difficult phase has turned into multiple high-interest repayments, and now it feels like I’m trapped in a cycle where I work every day just to survive and pay dues, but never actually move forward.

I’m working full-time as a gig worker and earning around ₹800 a day. I’m trying my best, but most of what I earn goes into repayments and basic survival. I’ve asked friends for help, but no one has been able to support me. I’ve also tried applying for loans and other options, but because of my low CIBIL score, I’m getting rejected everywhere.

I don’t have anything valuable left to sell. Mentally, this has become very heavy. Every day feels like pressure, calls, due dates, and the constant fear of things getting worse.

I know some of this is because of my own bad decisions, and I’m not trying to avoid responsibility. I’m just tired. I’m still working every day, still trying to find better job opportunities, and still trying to somehow fix this before it completely breaks me.

I’m not posting this for sympathy. I just honestly needed to say it somewhere because I’ve been carrying it alone for too long.

If anyone has been through something similar and managed to recover, I’d really appreciate advice. I’ve shared the details in the comments section. Even a small support would mean a lot to me right now.

Thank you for reading.

Hi everyone,

I urgently need ₹30,000 to close my high-interest loans and consolidate everything into one single manageable EMI.

Currently, I am working full-time as a gig worker with Porter and I make around ₹800 per day. I have been trying hard to manage, but the pressure from multiple high-interest loans is becoming too much.

My CIBIL score is low, so I am not eligible for loans anywhere. Even the loan option available through work is showing as ineligible. I have also been applying for jobs everywhere, but I am getting rejected.

I am not looking for another risky loan app loan. I just want one genuine option or temporary help so I can clear these high-interest loans and repay properly through one EMI.

If anyone can genuinely help or guide me, I would be very grateful. If needed, I can share proof privately.

Hi everyone,

I am stuck in multiple high-interest loans and urgently need ₹30,000 to close them and convert everything into one manageable EMI.

Because of my low CIBIL score, I am not eligible for loans anywhere. Even the loan option through work ( porter delivery partner ) is showing as ineligible. I’m trying hard to avoid taking another loan app loan because that will make things worse.

At this point, I just want one safe and genuine way to consolidate all my debt into one single repayment that I can manage monthly.

If anyone has gone through something similar or knows any genuine option, please guide me. If needed, I can share proof privately.

I’m under a lot of pressure right now and trying to come out of this debt cycle before it gets worse.

don’t really have anyone to talk to about this, so I’m just putting it out here.

A while back, I took small loans from a few payday apps during an emergency. At that time it felt like the only option, but now it’s turned into something I can’t control. The interest keeps adding up, and I’m stuck in a cycle I don’t know how to get out of.

Every day I get constant calls and messages. It’s honestly draining me mentally. I feel anxious all the time, and it’s starting to affect my daily life.

I’m not someone who runs away from responsibility I want to repay everything. I just wish there was a way to manage this in a structured manner instead of this constant pressure.

I’m currently stuck in a difficult financial situation and genuinely need help.

I took small loans from multiple payday apps during an emergency, but the high daily interest has made it impossible to manage. I’m getting constant calls every day, and it’s affecting my mental health badly.

I’m looking for who can me consolidate this into a single loan. I will repay in fixed monthly EMIs with agreed interest. I’m ready to provide all necessary proofs (ID, income details, etc.) to show I’m genuine.

I’m not trying to avoid repayment I just need a structured way to clear this without getting trapped in penalties.

Thank you.