I’m under ₹25 lakhs in debt, and honestly, I don’t know how to carry this anymore.
I never imagined I would be writing something like this on Reddit.
I’m under ₹25,00,000 of debt.
For a long time, I kept telling myself that I would figure it out. That I just needed a little more time, a better month, a better opportunity, one thing to go right.
But somehow, the debt kept growing, and the pressure kept getting heavier.
I wake up thinking about money.
I go to sleep thinking about money.
Every payment, every due date, every call, every message keeps running through my head. Even when I’m doing something completely unrelated, there’s this constant voice in the back of my mind asking, “How are you going to get out of this?”
And I’m at a point where I can feel the stress affecting me physically too. My body is exhausted. My mind doesn't switch off. I don't feel like myself anymore.
The hardest part isn't even the money.
It's the feeling of being trapped.
I’m not posting this because I expect strangers on Reddit to magically pay ₹25 lakhs of my debt. I know how that sounds, and I know everyone has their own struggles.
I'm posting because I genuinely need help figuring out a way forward.
If you've ever been in serious debt and managed to come out of it, I would be incredibly grateful if you could tell me how you did it.
If you know of legitimate ways to earn extra income, freelance work, remote work, small businesses, side hustles, or anything that could realistically help someone increase their income and attack their debt, please tell me.
If you have experience negotiating loans, restructuring debt, dealing with creditors, or making a plan when everything feels impossible, I could really use that knowledge too.
And if there's anyone here who has been where I am right now and somehow made it out, please tell me that it is possible.
I don't want sympathy.
I don't want anyone to feel obligated to give me money.
I just don't want to fight this completely alone anymore.
I’m still trying.
I still want to get out of this.
I still want to wake up one day without the first thought in my head being debt.
So I'm asking the Reddit family:
Please help me find a way out.
Even if all you can offer is advice, an opportunity, a lead, a lesson from your own experience, or simply a little hope — it would mean more to me than you probably realize.
I know ₹25 lakhs is a huge number.
But I’m hoping my life doesn't have to be defined by that number forever.
I just need a starting point.