It's only 20 thousand. I'm dying I am the same age as you. I'm 40w, I haven't worked yet, and I'm still more than 2w a month. Credit cards are the lowest first, just like flowers. Don't be overdue. Then find a job first, find something casually, and pay the money first. No one can help you, only yourself. If you really don't want to do it, tell your parents to help you pay it back. You can do this even if you owe 2 W. Can you be a little ambitious? If you owe 4.5w, are you going to jump off a building? Do you have the courage? Find something to do, don't think about taking crooked ways, pay it back after a few months, for fear of an egg.