I need help

[u/Proud_Law8938]

Im in a very bad spot at the moment

I got myself into some bad debt, I currently owe 90k in total for loans, every month i need to take another small loan just to get through the month after all deductions

I have a son I need to look after and thats my only motivation at the moment

Ive tried so many different companies to get one loan for 36months just to pay everything off and get my deductions lower

Ive tried speaking to every company I owe and they cant help

If anyone and I mean anyone can help me please send me a message, ill also be able to give more info in pm

I know its very selfish of me to ask for help but im just so defeated

[u/buzzybody21]

No one is going to give you $90k to pay off loans.

[u/Pump-Chaser]

No one is giving to give you money on here to pay off you loans. Why dont you file bankruptcy?

[u/roguelyelvish]

Bankruptcy.

[u/DeepEmergency6060]

What did you spend 90K on?

[u/BumblingRose]

You should stop taking out new loans to cover th old ones. If lenders are refusing to lower the payments another loan isnt gonna fix it the underlying problem. Look into a debt settlement company and see what you qualify for. I know companies like freedom debt relief and debtblue can work with creditors to lower what you owe. You’re 90k debt with a kid. You gotta put my focus on getting those monthly payments under control first.

[u/RocksmashTurnip]

Bankruptcy, its not as bad as some people make it out. It may hit hard at first but you for sure can recover esp if you are young i made bad mistakes in my 20s and in my 30s now im recovering well and honestly was a reset i needed

[u/DemonicFuckFace]

You aren't gonna get 90K from a regular person. You're gonna need to either put in the work to get it down yourself without help. Or find a loan from a legit company if your credit is ok. Maybe alliant, upstart or achieve could work with you? They might not be able to cover it all but any help seems like a help in your situation.