Hi,My name is Rajaram Jat and I am an IIIT Allahabad graduate.Since last year things aren't great for me initially my sister was diagnosed with kidney renal failure but after all attempts, we were not able to save her and I lost her in November last year. Since the demise of my sister, my father and mom were also not doing great and one night on 31st of December father got a minor cardiac arrest and we rush to a local hospital and soon he was discharged. again when things were looking better .everything went bad to worst and the father's situation keeps getting bad to worse as we found that he has a metastasis tumor. day passes we tried to take a different kind of treatment like ayurvedic and all. But at the end when we were on our way to Aiims. I lost him midway due to another cardiac arrest. We tried our best what we could have done and a lot of friends and colleagues helped me a lot but in between all these, I have to arrange some amount from my end as well. I took a loan of 7 lakh from local landlords at an interest rate of 48%(4 takka) because the bank denied me a loan due to my bad credit history and going on medical scenarios, and this amount is costing me around 28k per month interest and as of now, I am receiving just 46k per month.
below are calculation:
the income per month -46000 till Feb 2022 after that I will have full salary
amount paid to landlords interest-28k
education loan installment-14k
the remaining amount -4k
I just have savings of 4k which I can't utilize for sister's and little brother's education .one of the sister is doing B.ped and one is doing nursing at local college. I can handle all those things but the way I am paying borrowers I might not be able to get out of this financial trap anytime soon and my career will be gone. I just want to save my broken family and get out of this loop.
I am broken but I want to save my broken family and my career which has just started I am not able to focus on professional life. So, please if you can help with anything, it will be great.