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Radheshyam

Radheshyam Zanwar  |6394 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 11, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Mallesh Question by Mallesh on Jun 11, 2025
Career

Hi Sir IIT BHU mechanical or Nit warangal eee which is better?

Ans: Hello Mallesh
If possible, prefer Mech @ IIT BHU
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam
Career

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I am 31 years old, and i have dept of 30 laks in last 4 years, personal loan Credit card Relative loan Friend loan And cash for interest, total emi of 90k My salary was 50k.. Home rent My son school fee Monthly expenses are excluding 90k, i was very very struggled situation.. Anyone help me
Ans: You are showing courage in sharing your situation. Many people keep debt struggles hidden. At 31, you still have long years of earning ahead. You also have your family responsibilities. Your debts are very high compared to your income. But with step-by-step plan, you can slowly come out. Let us look at this in detail from all angles.

» Present Position

– Total debt around Rs 30 lakh.
– Loans from personal loan, credit card, relatives, friends, and cash borrowings.
– EMI burden Rs 90k every month.
– Monthly salary Rs 50k.
– House rent, child education, and family expenses are separate.
– Present income is not enough to cover EMIs.

This is creating high stress. Debt from many sources adds more pressure.

» Why Situation Became Hard

– EMIs exceed your salary.
– Borrowing for past expenses may have rolled into more borrowing.
– Credit card interest and informal cash loans usually charge very high rates.
– Relatives and friends loans bring emotional stress too.

All these make it a difficult position. But the first step is awareness. You already took it.

» Income vs Outflow

Monthly salary Rs 50k. Monthly EMI Rs 90k. So you have a gap of Rs 40k even before paying rent and other expenses. This means borrowing more every month to survive. It is a debt trap. Without strong action, debt will only grow.

» First Actions

– Stop using credit cards for any new expenses.
– Control spending only to essential items.
– Write down exact family expenses.
– Discuss openly with your spouse for support.
– Inform friends and relatives that repayment will need more time.

These steps reduce new pressure.

» Debt Prioritisation

You cannot pay all loans together with present income. So you must prioritise.

– First, list all loans, their amounts, and interest rates.
– Credit card and cash loans have highest rates.
– Personal loans from banks come next.
– Family and friend loans are last priority, but you must communicate honestly.

Start planning repayment by attacking highest-cost loans first. But since your EMI burden is higher than your income, you need to restructure.

» Restructuring and Negotiation

– Approach your bank and ask for debt restructuring. Sometimes banks allow longer tenure. That reduces EMI.
– If you have multiple personal loans, explore loan consolidation. One larger loan at lower rate can replace many small loans.
– Negotiate with friends and relatives. Ask them for more time. Assure them of gradual repayment.
– Credit card dues must be converted into EMI plans if possible. This reduces very high interest.

Restructuring is a must in your case. Otherwise, the mismatch will continue.

» Income Improvement

Only reducing cost will not solve fully. You must increase income also.

– Explore part-time or freelance work after office hours.
– Consider shifting to higher salary job.
– Discuss with spouse if she can support with income for few years.
– Any asset or skill can be used to generate extra income.

Even Rs 20k to Rs 25k extra monthly can make difference.

» Expense Control

– Prepare family budget strictly.
– Avoid lifestyle expenses until debt clears.
– School fee is priority, but cut unnecessary tuition or activity costs if possible.
– Rent is fixed, but look if smaller house can reduce cost.

These cuts may look hard but are temporary. Once debt clears, life becomes smoother.

» Emotional Strength

Debt creates shame and guilt. But remember, many professionals face this. Always communicate openly with spouse. Do not hide. Sharing reduces stress. Slowly, children will also understand when family says “no” to extra spending. This honesty builds strength.

» Emergency Planning

You may feel emergency fund is impossible now. But even Rs 2000 per month kept aside is useful. Without emergency buffer, any small issue will push you to new borrowing. Keep a small savings habit alive even during debt period.

» Insurance Cover

Check if you have term insurance and health insurance. Even though debt is high, these are important. A term plan will protect your family in case of death. Health insurance avoids fresh loans during hospitalisation. If you don’t have, take at least basic cover immediately.

» Avoid Wrong Products

Do not try to solve debt by investing in risky options. Some people try stock tips or trading. That increases loss. Do not go for chit funds or unverified schemes. They will trap you deeper. Wait until debt reduces before any investments.

» Role of Certified Financial Planner

A Certified Financial Planner can prepare repayment strategy and budgeting roadmap. They can guide in consolidating loans and balancing income and expense. Regular follow-up from CFP keeps you disciplined. Self-management often fails under stress. Guidance brings clarity.

» Long-Term Perspective

At 31, you still have 25 to 30 years to earn. So this debt situation, though very heavy, is not the end. Once you close high-cost debt, you can rebuild. After few years, you can again focus on investments, child education, and retirement. The key is to survive next 3 to 5 years with discipline.

» Practical Steps in Sequence

– Stop using credit cards now.
– Prepare list of all loans with interest rates.
– Negotiate with bank for consolidation or restructuring.
– Convert credit card dues to EMI or personal loan if possible.
– Pay small cash lenders first to stop harassment.
– Communicate with friends and relatives for more time.
– Increase income by new job or side work.
– Cut lifestyle expenses and prepare strict budget.
– Maintain minimum emergency buffer.
– Protect family with term and health insurance.
– Review progress every three months with a Certified Financial Planner.

Following these steps one by one will slowly bring balance.

» Finally

Your present situation looks very tough. But with clarity and courage, you can come out. Discipline in expenses, negotiation with lenders, and focus on higher income will reduce stress. Debt will not vanish in one year, but every step will improve position.

You are still young, and you have time. Stay patient, stay disciplined. Life after debt freedom will be more peaceful. You and your family will grow stronger through this experience.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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