Thank you, feel like a criminal. Even if I faced extreme financial pressure, I have this debt and I have to deal with it. So I stopped spending (except for helping my parents) and want to get a side hustle to increase my income. I can only think of 3 things to do: bankruptcy, do nothing and let sleeping dogs lie or get new debt to consolidate this old debt. I'm glad you can't be arrested for debt as in other countries like UAE..