Don't continue to borrow money, it is yourself and your family who are ultimately unable to repay. If it's really hard to talk, talk to your mother first, and then talk to your lover. Explain the cause and effect clearly. Why do I borrow money? Finally, I accumulated more and more money because of loan repayment. I feel like I can't go on. I hope my family can help me make a repayment plan, tide over the difficulties and ensure that I will not borrow money privately.