u/eldeststruggle

Hi. I'm asking for advice, not lectures po. I know I made mistakes, and I'm trying to find solutions.
Most of these loans happened because of the tapal system. My mother kept asking me to take out loans for her. I know I should've said no, but she would cry, tell me that we didn't understand how heavy everything was for her, and sometimes even say that we might just see her hanging herself if no one helped.
When I was still a minor, she would even bring me with her as a co-borrower and have me sign papers. Looking back, I know I should've set boundaries, but I genuinely thought I was helping.

The biggest mistake I made was offering her the first OLA I got approved for (SLoan). I hoped it would stop her from borrowing from other lenders. Instead, it only got worse, and eventually I ended up taking more loans just to keep up with the cycle.
Right now, I'm around ₱460k in debt. A huge portion of the money never went to me—I didn't use it for shopping, gambling, or luxuries. It was mostly used to pay previous loans.
My priority right now is TikTok Loan and BillEase because I'm scared they might contact the people in my phone.

I'm currently earning minimum wage, so I honestly don't see a way out if I stay here. My plan is to apply through agencies for work abroad, even as a factory worker, because I think that's the fastest realistic way for me to earn enough to pay everything off.

I have a few questions:

1. If you were in my position, would you focus on getting a job abroad first before aggressively paying the loans?

2. Which debts would you prioritize?

3.Has anyone here recovered from this much debt while earning a regular salary or working abroad?

4.Any advice on dealing with collections while preparing to leave the Philippines?

here are my loans:

gloan

9,700 loan— 1,232.33 — 2/12 every 6th
5,000 loan — 616.17 — 1/12 every 8th
5,000 loan— 1,057.83 — 0/6 every 12th

sloan
6,000 loan — 1,309.99 —4/6 every 13th (2 months overdue)
20,000 — loan — 2,696.75 — 3/12 every 29th (3 months overdue)
9,500 loan— 1,280.91 — 2/12 every 3rd (3 months overdue)
7,300 loan— 984.28 — 1/12 every 10th (2 months overdue)

spaylater
8,324.79 — 3 months overdue

billease
6,000 loan — 1,567.04 — 0/6 — every 23rd

tiktok loan
15,000 loan — 5,750 — 0/3 — every 16th

mayacredit
20,624

home credit

70,000 loan — 3,835.00 — 8/30 — every 28th
101,000 loan — 5,787.00 — 2/36 — every 14th

from an acquaintance
25k— with 15% interest every month and for 6 months only. no payment has been made

Please be kind. I know I made bad decisions, and I take responsibility for signing the loans. I'm just trying to find the best way to get out of this without making things worse.

Helloo, badly need advice po. I’m 23 (F), a Tourism Management graduate. My tito promised to help me get to Dubai, but it’s been months, and I’m starting to feel hopeless.

I’m currently employed (related to sales), with a minimum salary and no benefits whatsoever. I’ve considered looking for another job here in the Philippines, but most openings also offer minimum wage. Even if I find one with a slightly higher salary, the increase would probably just go toward transportation expenses.

That’s why, if I’m going to look for another job, I’d rather try working abroad. I’d really love to work in a hotel or any hospitality-related job since that’s what I studied, but I’m also open to factory worker positions if that’s a more realistic way to start.

Am I being delusional? I feel so left behind, like time is ticking and I won’t get anywhere if I don’t start making moves now.

For those who are already working abroad or have gone through the application process, where should I start? Do you have any tips, recommended countries, agencies, or companies?
I’d really appreciate any advice. Thank you so much.

Helloo, need advice po. I’m 23 (F), a Tourism Management graduate, but I’m currently working in sales. My tito promised to help me go to Dubai, but it’s been months, and I’m starting to feel hopeless.

I just wanted to ask for advice from those with experience. I’d really love to work in a hotel or any hospitality-related job since that’s what I studied, but I’m also open to factory worker positions if that’s a better way to start working abroad.

Do you have any tips on how to start applying for jobs overseas? Are there any countries, agencies, or companies you would recommend?