I sincerely apologize if I posted in the wrong section.

Hi, I really need advice here.
Sometimes last year, I had to borrow money from some of these online loan app. For about 8 month I was servicing the debts I.e pay back, they deduct their interest and I reapplied again.

As it stands now I have defaulted in all of them by over 50 days. Sincerely the means was not really there to even service the debts any longer towards the end of last year.

However this year i got something doing recently but the debts have pilled up and it running over 300,000 As it stands now I can only afford to pay 30,000 by my current earnings which would take at least 10 months which most of the loan app would not accept.

Sincerely it's beginning to give me sleepless night as I understand these companies have staff under them to pay and would also have to pay their investor interest and I also understand it could affect my credit score.

I would be grateful if anyone (especially those in the finance and law sector) can offer an advice and to how I can go about it.

I would also like to know the legally implications of my current situation.

Note
Getting a loan from a bank is out of it as my source of income is not corporate and hence I have no employment letter and payment for my services mostly come via cash payment.

I WOULD APPRECIATE EVERY ADVICE GIVEN