Make a list
The first step in solving financial problems is to get a realistic idea of your situation. It helps to make a list including how much you owe and to whom. Once you list everything clearly, it will give you a feeling of calmness and allow you to think about how you will repay your debt.
Is it difficult for you to create an overview? Ask for help from someone who is good at keeping administration and with Excel software.
Affecting your studies?
Are your financial problems so serious that your studies are affected? Visit the student counsellor. The student counsellor can help map your situation and give advice about studying as effectively as possible despite your money problems.