Hello. I am a 48 year old mother of 4 who is desperate for someone to give me a chance with a personal loan or outright gift. I am going to be truly honest about my situation and pray that someone out there is willing to help me. I have not been financially responsible throughout the past 10 years of my life and I am regretting this terribly. I have credit card and medical bill debt that is so high that I can’t keep up with it and have had to try for so many loans with no success and my credit score is very low now. I pray multiple times a day for God to send me an angel to guide me toward the help I need to get my life back on track. It hurts me tremendously to look at my kids knowing how bad of a situation their mother is in and that I did this to myself and them. I’m scared that it will impact them negatively soon and that is my worst fear. They do not deserve to have this stress or embarrassment put on them because of my bad decisions. I am about $70,000 in debt and my job does not cover near the minimum due each month. I have so much stress and fear every day that I don’t know what to do anymore. I love my family and my life to the fullest and I makes me sick that I let things get to the point that I can’t enjoy my family. I worry every time I open my mail or answer my phone that it will be legal action against me. I have truly found God during this time and ask him for his help multiple times a day. If I could just have someone willing to give me a chance I will turn my life around and pay it forward. My hope is that if I am blessed with another chance, that I can then help someone else in need later. My upbringing was to be more responsible and I have failed my family. This has been such an eye opener and I am grateful for the opportunity to ask for the help I need. It is a very humbling experience. Thank you for your consideration and God bless you.