Come in and gamble without stopping, and finally pay off the debt.
Personally, I suggest you take a look at the market in April. If the market still doesn't improve after the non-reduction and dividend ban, then every rebound is a good opportunity for you to leave. If there is no rising market in the second quarter, the bear market will continue in the last 1-2 years. People who buy funds either leave as soon as possible or stay with the market for several years.