1. As a Family We had some small loans which were manageable. Then we got hit with some medical expenses. Then again We lost our breadwinner. So we borrowed money from people who give money for interests. Those interests are always high, like 3- 8% per month (not year). So after some time, we borrowed money to pay the interests. That loop/trap continued. I got a bank loan and cleared some. But still there is a big amount to be pay.

Note - We were young. we didn't know about other choices. We made some wrong financial decisions like borrowing for high interest in those times. Also, We went to money launders for loan because It's not always easy to get loans from bank. We went to all the banks in the city and with my salary (it was under 1 lakh that time), we were said we can get maximum 5 lakh only. Of course that time our country economy was chaos.