Hello Hereiam, well done on looking for help.
It may be hard to tell be peole but it would help you if you could be honest with someone, they can help you put the things in place that will help you.
There will be solutions to the finances – from repayment plans through to bankruptcy with a lot in between.
What is important is that you address your gambling – otherwise it won’t matter what you put in place regarding the money side of things.
Keep posting here, maybe get to a Gamblers Anonymous meeting – one thing for sure is that you will meet others there who have had to sort things out financially in your own area, they could give you local advice.
Keep posting.