Please, help me relieve my overwhelming debt

Hi, my name is Karla. I am an international grad student at Washington University in Saint Louis. Right now, I have more than $20,000 in debt, and I am asking for your help and compassion in a situation that has been destroying my mental and physical health.

It all started in 2020 when, because of the pandemic, my dad lost his job in Colombia. He was the main source of income for my family, and without his salary, my home ended up in a situation of precarity. Trusting he could find a job sooner than later, he made a couple of shark loans, but the situation did not improve. When they asked for my help, they were scared and desperate. I then took some loans here so he could pay back some of the debt to the opportunistic lenders, which is how I found myself in this debt spiral. The only money I had available was my grad student stipend of 2089 dollars monthly. I send half of it to my mom so she can pay the rent and groceries, and I use the rest for my day-to-day life and to pay the loan installments. But I made some mistakes in the way, trusting I could use loans to pay for loans, so I could reduce what I was paying monthly. Having debt is something that makes you feel a lot of shame, and I did not have guidance at the moment... To survive these past two years, I've tried all: cash advances, taking surveys online, teaching private lessons in Spanish, and right now, I have three part-time jobs. The situation has improved since my partner got a new, better-paid job two months ago and since I finally had enough debt to enroll in a debt-relief program (Did you know you need a certain amount to qualify?). However, I need your help to pay two debts that can't be part of the program:

Asking for help is the only resource I have left. I am so tired of pretending everything is okay. I feel really isolated as my University has no emergency funds for grad students, and as it does not seem that debt is a topic you can actually share around. Last year I ended up in a mental health clinic as I could not take it anymore, and after receiving daily calls or letters reporting the derogatory status of my accounts and seeing my bank in negative numbers all the time, this is the only action I've left.

I appreciate any help you can give me, and I trust life can give you back anything you share today.

These are some pictures of my situation:

My national debt relief plan

My debts with Opportun and the University

One of the receipts for the mental health clinic

Thank you so much.

Your help means everything