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You should confess to your family. The following are the reasons why I made this suggestion:

1. Family members are your closest and trusted people, and they may understand and help, both financially and emotionally.

2. Concealing the facts may lead to more serious consequences, such as more interest expenses or debt problems, thus bringing greater burdens to yourself and your family.

Confessing with your family can relieve your psychological pressure, make you feel at ease, and seek their support and advice.

Your family may provide some solutions, such as helping you make a repayment plan or applying for a low-interest loan from the bank.

By sharing difficulties with your family, you can face challenges together and strengthen family cohesion and mutual support.

Conclusion: Being honest with your family can help you solve difficulties and gain support and understanding. Instead of continuing to bear the burden, it is better to cooperate with your family to tide over this difficulty.