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@matthew123 Shit happens to the best of us! To be honest, i dont have a Car nor any expensive items. All my cost went towards medical expeses and supporting my parents. One can't afford the liberty of a heart attack when so many people are dependent on him. Loking for a higher paying job-...

@rdavis0720 I started getting EPF only 2 years back when I came out of my not so good job. It's not much. With 70 k pm, i don't pay any taxes due to my HRA, 80C & 80D deductions

@markusdrury Don't have much gold to take loans on it. I dont have credit card debt.

@mandy2110 Thanks for the information though. Is it a suitable source for Indian Loans? Just curious! it's mostly suited towards the US market from what I can tell.

@jeri17 I have tried with banks but they have rejected my case due to EMI above 70% of my income. I am in search of a good job to increase my income but that will take some time. I'm in search of debt consolidation services, but haven't found any yet.

@nick1000 I have been thinking the same. Thanks! I agree LIC is a waste.

@nick1000 It's was an Endowment plan. I have paid about 5 years in total. Yearly payment of 36000/-

@snowmonster2023 I tried with multiple banks but due to so many loans and EMIs going to 97% of my income. I can't get loans from banks.

@snowtrekker Axis is just a Credit Card. Not an account. I tried with Axis Finance to consolidate but they rejected my application due to too many loans.

@snowtrekker I get salary in SBI account My relationship manager is useless. I tried to get a second loan from them before going to these online platforms. They strung me along for 21 days by giving me excuses like they can't change the code associated with my account and finally told me I...

@psig13 I am looking for a better paying job. Havent got it yet. I still earn about 70 K pm only.

@psig13 Any suggestions on where can i get the loans consolidated? I am full fledged looking for a better paying job. Lets hope.

@tatisha Thanks for the postive words, I appreciate it very much!

@acaudpdrkkl2015 LIC i have plans to close it this Year only. It's useless. It will save me around 3 k pm. Rest 8 k i have to do because it's term plan and Health Insurance. I can't discontinue that. Speaking of minimum payment, how do I do that? I thought EMI every month is the minimum payment...

@acaudpdrkkl2015 What do I attack it with? I am left with 12 k to run the household expenses of about 40k. I still have to pay EMIs of 67k on time to avoid penalty.

@txlenna Never thought about it. I will try it out. 👍

@txlenna 9-6

@txlenna Part time sounds good but i work Mon-Sat. Would be very difficult for me to spare time.

@neilhall Sounds like a plan. 👍

@mississippi_yaya updated in the post