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@chas4all Friends are not the issue at all, they are not pressuring me for money. I can even pay them back next year(although I don’t want to because of marriage plans). The issue is with the loan EMIs.

Okay, so a bit of background intro …. I am 29 M, life has been a downward spiral since Covid, currently having 5.5L worth of bank loans(multiple loans) & owe money to a few friends(around 7L in total). Current salary 50k with 20k of home loan EMIs. I had investments in various stocks but after...