Your income isn’t zero, but it’s always just not enough. This month you cover one thing, next month new pressure shows up. You start to wonder, is something wrong somewhere?

You know this kind of monthly repayment isn’t a real solution, but the reality is you don’t have a better option. So it turns into a cycle. You keep paying every month, yet you never see an end. That feeling is exhausting, not physically but mentally.

As the burden grows, you become more sensitive. You feel tense at the end of the month, anxious when notifications come in, and even when you rest, you can’t fully relax. You haven’t broken down, you’re just constantly holding on.

It’s not that you haven’t thought about changing your situation. It’s just that every time you look into the process, it feels complicated, too many steps, too much paperwork, and endless back and forth communication....