This is the electronic contract I signed when I took out the loan. Under normal circumstances, it is legal that the annualized income does not exceed 36. I suggest paying back the money as soon as possible. You can work on your own to earn money and pay off debts. Don't use loans to support loans, or you will get deeper and deeper.

We must develop good financial habits. The root cause of so much debt is that you have not developed good financial habits. As long as you have good financial habits, I'm afraid you won't be in debt no matter how little you earn.