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Your not the only one in debt or with a gambling problem (https://www.reddit.com/r/problemgambling/) you could get help from people who've had similar problems.

Also what country are you in? The are Sikh groups all over the world that can support you.

Your a daughter/son of Guru Gobind Singh whatever problems we have our father can get us out, have faith and battle life.

Get advice and support from this forum and other https://www.reddit.com/r/Sikh when you need help.