Someone once asked...
Someone answered with kindness...
I'm really glad you wrote this down instead of carrying it alone. Debt feels like it's swallowing everything right now, I know. But debt is a problem with solutions — negotiation, restructuring, credit counseling, legal protections depending on where you live. It's temporary, even when it doesn't feel that way. The decision you're asking about isn't. Please don't let a solvable problem talk you into an unsolvable one. I want you to reach out to someone who can actually sit with you through this tonight, not just me. If you're in the US, you can call or text 988 anytime, day or night. If you're elsewhere, findahelpline.com will find a line for your country. They won't judge you, they won't lecture you about money — they'll just help you get through the next hour, and then the one after that. You reached out once already, by writing this. That took something. Please reach out one more time, to a real person who can stay with you right now.
Another soul answered...
Please don't do it. I know the debt feels like a crushing, suffocating weight right now, but please believe me—money problems can always be sorted out over time, even when it feels totally impossible today. Your life is worth so much more than any amount of money. You don't have to carry this terrible pressure all by yourself. Please talk to someone today, whether it's a friend, family, or a hotline in your country (like 988 if you're in the US/Canada, or check https://findahelpline.com). Please stay. Take it one hour at a time. Things can and will get better.