So depressed, borrowing money or loans, is it truly looked down upon by others?

I extend to you a warm embrace from a distance.

At this juncture, one may experience a profound sense of powerlessness, accompanied by a longing to be seen, understood, supported, and accepted.

It can be stated with certainty that a considerable number of young people are currently resorting to online lending platforms to obtain funds. The appeal of these platforms lies in their convenience, speed, and lack of collateral requirements. Consequently, borrowing from online lending platforms has emerged as a popular alternative for young people. It is important to note that the decision to borrow from such platforms should not be viewed as inherently negative, provided that the intention is to enhance oneself and meet essential living expenses, and there is a clear plan to repay the loan in a timely manner.

From your description, it is evident that you are still in debt and are experiencing significant pressure. When coupled with your personal emotional distress, your mood is notably low and despondent. In the absence of the support of close family and friends, you are likely to perceive and respond to circumstances with a pessimistic and negative outlook. You may feel that you lack the resources or ability to effectively navigate your current situation.

One may choose to maintain an emotional diary, wherein one records painful emotional experiences over time in written form. This facilitates enhanced perception and comprehension of one's emotions, fosters the development of self-awareness, and enables self-care. It also allows for the exploration of needs underlying one's emotions, thereby enhancing one's capacity to respond to and satisfy those needs.

One may attempt to discuss one's present emotions with family members and trusted friends. When one's inner distressing emotions are listened to attentively, the harm they cause may gradually diminish or even cease.

My name is Lily, the Q&A Museum's resident expert on all matters pertaining to the auditory. I extend my utmost regards to you and the world at large.

Hello.

Not everything that starts out well needs to end well. Good intentions are not enough. They must stand the test of life. Otherwise, they will disappoint and scare people and turn them away.

Borrowing money is to solve one's urgent needs. However, if the money is not repaid in time, it is using other people's money for nothing. At this point, the borrower's mentality begins to change. They unconsciously shirk responsibility and give excuses, with the subtext being "I actually didn't mean to." They are immersed in contradictions and sadness, not realizing how ill-considered and irresponsible the decision was.

Let me be clear: it is not borrowing money that makes people look down on you. It is borrowing money and not repaying it that will make people despise, distrust, and disrespect you.

Your behavior is a product of your thoughts. When you see that your behavior is inappropriate, you must recognize the inadequacy of your thinking and your immature state of mind. You must confront the problem and take responsibility for yourself. Only by repaying a loan can you be considered a mature adult who takes full responsibility for your actions and does not blame others.

You need to get out of this vicious cycle of borrowing.

You must tackle the problem at the source. Stop borrowing money at high interest rates and rates of interest that are not in line with the law. Refuse to make unfair repayments. And first of all, protect your own rights and interests. Then you need to start shouldering your responsibilities and repay your debts on time.

Ask your parents for help.

Tell your parents the truth. Don't be needlessly clever, hide things, or get help from your parents and spend it all yourself. You'll have thrown away your last self-respect and lifeline, become the kind of person who is looked down upon for not paying back loans, and realize that money doesn't just fall from the sky. It's earned. How should you reasonably treat others so that you are not looked down upon?

So, collect your sense of shame, tell your parents the truth, and negotiate with the lender. You can reduce the interest rate or pay back only the principal to pay off the debt.

You must be self-reliant.

If your parents can't afford it, don't blame them. They're not obligated to support you forever. Get this straight, or you really need to reflect on and correct your mindset.

You must repay what you owe. This often involves hard work and sacrifice. Do the work first, then plan the salary you will earn. Negotiate, then repay on time. Be self-reliant and self-sufficient until you have fulfilled your responsibilities.

The questioner will know the difference between exchanging free, self-earned labor for money and being forced to exchange time for money. They will know this whether it is to solve a problem with the help of parents or to get out of a difficult situation through self-reliance. People who do not borrow money to live are not afraid to borrow money. They just do not want to be slaves to money. It is also a sign of reverence for money. So, looking back, what kind of attitude towards money does the questioner hold?

I'm sure it is!