I am very sad. I am in debt.
heyy, thanks for reaching out and sharing this with us. i’m sorry to hear that you’re feeling very sad right now.
if you feel up to it, maybe you could share a bit more about what’s been happening? or if you just need a safe space to vent, we are here to listen to you. you’re not alone in this !
Dear @decentbunny2101
Thank you for reaching out. It is understandable that you are sad about being in debt. I gather you are at a loss on how to move forward. Please do not be discouraged. I have seen that many banks are open to work out repayment plans.
May I also encourage you to attend one of the Credit Counselling Singapore( CCS)'s free Debt Management Talks to learn about
1. The Dos and Donts of managing an unsecured debt problem.
2. Available approaches for debt settlement.
3. How to arrange a credit counselling appointment and what to expect from CCS Debt Management Programme (DMP).
Their website is reachable at https://ccs.org.sg/
Please know many people can identify with what you are going through and with support I believe you will feel your burden lighten.
Hey @CaringBee, thanks for sharing these links!
But perhaps we could wait for @decentbunny2101 to share more (and hear them out) about their specific situation before recommending Credit Counselling?
Having more details about their debt situation might help us to make more specific recommendations. 
Hey @decentbunny2101,
Thank you for sharing this with us. It sounds like you’re carrying a lot right now, and I’m sorry to hear you’re going through this.
If you’re comfortable sharing, would you like to tell us a little more about what’s been happening? Sometimes having a space to put things into words can make things feel a little less heavy.
As @CaringBee mentioned, there may also be non-profit community resources such as Credit Counselling Singapore (CCS) that could be helpful depending on your situation. There’s no pressure to look into them right away though, but it’s something worth knowing is available if and when you feel ready.
For now, we’re here to listen and pace alongside you. You’re not alone in this.
Hey @decentbunny2101
thanks for sharing, its not easy to go through debts - the weight of it can sometimes be really burdening your health too, please Take care of your health also- small steps dont need to be so big - you can see what is the one small step you can take
slowly but surely.