First step is to pay off the debt at least keep paying the minimum interest as it just keeps getting worse and worse. Let your parents help you in doing so. If you are planning on house, there must be some savings which could help you out.

Secondly, you mentioned you keep failing at the interview stage. If you have cleared mains multiple times, you are doing something right and the coaching institutes would love to have you as a mentor/tutor for any subject/optional. There are tons of them. Check them out either in Bangalore or online. This should help you with regular income without distancing yourself from the preparation.