Idk. Is this what life is?

Problem/Goal: I'm not sure if I can still take it. My debts are piling up

Context: My mom got scammed and swept away our savings and emergency funds. Now I am left with 55.6k debt from a lender. I tried everything I can but I can't find someone to lend me money so that I can pay for it. Halos lahat na napagtanungan ko and halos lahat hirap din sa life. I don't know what to do anymore. It feels like I'm drowning.

Previous attempts: Bank loans pero di ako naa-approve due to old past decision kahit na paid na lahat. Also tried sa mga kakilala pero wala rin

This should be in r/OffMyChest but my karma doesn't allow it.