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Meddelande: <blockquote data-quote="Useless Human Being" data-source="post: 430477" data-attributes="member: 11310">Hello! Been browsing this forum for few months now as I'm going through difficult times with loans same as pretty much everyone here... I'm sorry for writing in English, I'm from Morocco and I've been living in Sweden for a little more than 4 years, but haven't learned much Swedish yet.I accrued these loans primarily by investing (gambling) crypto meme coins, it started with a dream to get rich, then transitioned into a dream to make at least just enough money to pay back the loans I got into, then ended up with me just losing way more money and doubling the loans... Super foolish, I know!I have now finally decided crypto is not it and I'm better off spending my time doing something better, but I'm afraid it may be too late for me to recover from this. I have a really good permanent employment with one of the best fintech companies in Sweden as a software engineer, and I'm afraid of losing it due to this issue.These are the loans I have now:- Bank Norwegian: 360 000 => 7 900/month (24% IR) Been paying this one for more than a year so far, hasn't decreased a bit.- Ferraturm: 35 000 => 1 715/month (44% IR)- Northmil: 40 000 => 1 479/month (25,65% IR)- LoanStep: 25 000 => 1 000/month (22,6% IR)- Saldo: 30 000 => 1 520/month (39,5% IR)- CashBuddy: 25 000 => 745/month (29,6 IR)- Lumify: 20 000 => 3 000/month (44% IR)- Binly: 13 000 => 1 600/month (44% IR)- Credifi: 7 000 => 1 100/month (44% IR)- Viaconto: 10 000 => 1 700/month (43,5 IR)- Klarna: 20 000 (two bills of 16 000 and 4 000, I don't know how to handle them yet.)- Loan from family: 120 000 => 5 000/monthTotal debt:  705 000 SEKTotal Monthly cost: 26 759 SEKSalary net: 42 000 SEKRent: 10 000 SEKI haven't paid anything on previous month except for LoanStep and Northmil, so I'm 18 days late on all the others, and I no longer have enough money to be able to pay now. I have not a single idea what to do...I booked a meeting with a budget and debt counsellor, it's going to happen next week. I'm hoping I can get some really good help from them or if at least they can help me lower the interest rates and the costs on these loans, I think these interest rates that I have are cruel, and I've seen members here with higher debt but only pay like 8 000 SEK monthly on it... I'm not looking for debt restructuring and I know I can't get it because some of my loans are recent. I don't want wage garnishment either, especially if KFM is gonna drain the max amount from my salary, or if it means I'm gonna lose my job...I want to pay these loans back, I really do. I have been hoping and trying hard to get a good consolidation loan with good conditions, I've tried hard way before I accumulated all these loans, got rejected everywhere, my credit score got ruined and now I'm stuck. If only I was able to get a good offer before ending up here, I would've stopped trying to make money from crypto and focused on paying back everything I owe.I have also just recently been granted a permanent residence permit, and I don't want to risk losing this. I have this idea of going back to Morocco for a while and work remotely from there so I can get rid of this expensive rent and use that money to prioritize paying the loans with insane interest rates first, and I will be living with family so I won't be spending much at all. But I'm not sure this is even possible and whether my employer would agree to something like this or not...What are your thoughts? How would you go about such messed up situation? Do you think seeing the debt counsellor will be helpful?Thank you all in advance, and I wish everyone here a debt free life in the nearest time.</blockquote>

Verifiering: Klassisk svensk soppa som är gul och brukar vara populär inom militären...