UNPAID TALA LOAN

Please don't judge me here. It was 2020 and the pandemic. We knew how it hit us hard. Bottomline, I mismanaged my finances sa lahat ng loaning apps , parang napapaikot ko na lang para mabayaran yung isang due sa isang OLA hanggang lumaki na pala sila (Juan hand robocash tala billease cashalo etc)

When I landed a job at sumahod that year inunti unti ko bayaran lahat. It sucks kasi once a year lang magpasahod yung napasukan kong work (private school) kaya don lahat napupunta salary ko

However it led to my Tala loan unpaid until now. Kasi tumaas ng tumaas interest. And unlike Billease na tumatanggap ng partial, they don't. I tried to email and call them if pwede bang may magawa with the interest kasi umabot na ata ng more than 100K interest lang pero di daw sila gumagawa ng ganon (Billease does)

Any idea po what to do? I really want to settle Tala as well:((