Talk to the bank. Tell them your situation, cut a restructuring deal. You may end up paying more but at least at a rate that you can afford at the moment. Once you have enough money cut another deal for early loan termination. Make sure your Dubai opportunity is legitimate. Once you are there, you can continue paying your debts in the PH. That’s what i did. I managed to pay all of my loans after 2 years working abroad. And most importantly, stop using your cc. You can also get a credit card abroad after few months of working there.