You don't have any choice, you have to come clean to her. She will be disappointed but you have to do it. She will also serve as your accountability partner for the payment.
Now stop collecting loans to pay back loans.it is a rabbit hole that is not sustainable. Reach out to friend/family for loans without interest. Discuss terms and conditions of repayment very well (keep a ledger/record).
You also need to cut your expenses to the minimum. And isolate yourself from the habit that brought you into debt.
Treat active loans first.

Or since they have started sending messages to your contacts, cut your losses. Start a installmental repayment plan. Dedicated about a portion of your income to be paying monthly. After payment, uninstall. Some have an active overdue charges that won't stop. Deal with them first too.

Degunners:


I have some few stuffs I can sell but my wife is the issue because I keep denying of taking any loan whenever she gets any message from them because I used her account to borrow from palmcredit.

She and my baby traveled and I'm tempted to dispose some few things like my home theatre, gen and fridge.

For me I don't mind selling everything to clear these debts and start over because I believe within six months I should be able to replace everything.

How do I handle my wife is my main concern because I have been lying to her

jmoore:
So you had a bath, got dressed, sprayed perfume and walked out of the hostel to head to the class for lectures.

Then you meet someone dressed in rags with the most offensive smell ever. He says to you "being clean is not a guarantee for a successful graduate".

That marks are not given for being clean doesn't mean you should be a dirty pig. You being clean is for your own good, it's healthy to be clean.
Is being dirty a guarantee to be a successful graduate?

Now, you can see where I am heading to. Being a virgin till marriage is a healthy lifestyle. Borehole doesn't guarantee anything. Therefore, let virgins be free to virgins.

The statement "virginity does not guarantee successful marriage" is not an attack on the concept of virginity but a statement of fact. Virginity is a negligible variable as far as successful marriage is concerned.

Core values, compatibility, Emotional intelligence, tolerance , effective communication, compromise and a lot of sacrifice; those are important variable for successful marriage.

An if you not a virgin guy and you are looking for a Virgin woman, YOU ARE A BIG HYPOCRITE