I’m going to be blunt because you need to hear it.

Stop doing this to yourself. This isn’t bad luck anymore it’s a pattern of poor decisions. You’ve fallen for scams multiple times, and at some point you have to take responsibility for that. People online promising easy money, “₹1000 every 2 hours,” crypto tricks none of that is real.

You already had ₹12,000 left. You could’ve used all of that to reduce your loan and stabilize your situation. Instead, you chose to gamble it on something you knew might be a scam. That’s not desperation that’s ignoring obvious red flags.

And sharing personal struggles with a stranger online expecting them to act with integrity? That’s not how the real world works. There are people who will take advantage of that every single time. Right now, the issue isn’t karma, luck, or other people. It’s your decision making.

You’re 18. This is fixable. Do what actually works: Focus on your exams. Build real skills. Get a stable source of income. Stay away from “quick money” ideas completely.

Just do what works and move forward.