Hello everyone. I never thought I'd write here, but since everyone can do it, why not? I'm having a hard time, and I want to talk to real people, not a neural network or be alone with my thoughts. I'm 19 years old, and I've always been a bit overweight. But I don't complain about it, and I'm not looking for a girlfriend right now.My main problem is debt. I have about $7,000 in loans. That's a lot for Russia. My family could help, but I don't want to involve them because I've let them down too many times already.How did this happen, you ask? I applied for a debit card, and they automatically gave me a credit card. The bank started aggressively advertising loans; they kept calling and asking me to spend the money. I wanted to live like I used to, when I was with my parents, so I started spending the money. Later, I had to take out loans to cover the monthly payments on other loans, and that's how I ended up in debt.I also have student debt. I'm a second-year student at a top Moscow university. My father pays for my tuition and supports me. It's $350 a month, which is low for Moscow. Even tuition is only $4,000 a year compared to universities around the world. But what worries me more isn't the debt itself, but the fact that I've started skipping classes drastically. Although expulsions from the university are rare, it bothered me, but I continued to skip and berate myself.I feel sorry for myself, but this can't go on. Don't worry, I'm not going to kill myself. I understand this will hurt my mother, who recently lost her grandmother and experienced her grandfather's suicide. I'm writing all this simply because I want to express my feelings and get advice from you. Don't pity me, and I don't know why. Honestly, I just made a lot of mistakes in my youthful foolishness. Thank you for reading, and if you answer, I would be grateful if anyone has experienced the same thing, I would be glad to hear your experience.
>>34002051You can pay less by paying half as much, twice as frequently.
>>34002113Sorry, I think I misunderstood you, or perhaps we're thinking about different concepts of loans. In our country, payments are calculated monthly, and no matter how many times you top up your account, it doesn't affect your current account. I also want to say that I haven't had any late payments. I just had my first one a few weeks ago, but that's for a loan that's paid every two weeks, and I'll soon be late on all my other loans. I'm thinking of filing for bankruptcy; I'm currently saving up for those $300.
>>34002157Idk how Russia works but I’ll assume a nineteen year old is retarded.
>>34002168Haha, I completely agree with you, and I understand that I just screwed up a lot. I guess bankruptcy was invented for people like me, which is what I'm hoping for)
>>34002189You do not want personal ban. Start a business and steal from it to pay your debt and let it go bankrupt.
>>34002214>ban*kruptcy
>>34002214I don’t quite understand what you’re talking about. We have bankruptcy for individuals.
