You overspent and over borrowed, so now a loanshark has a way of making you pay up. You don't have the money, but now you'll have the time as you work fully for her in indentured servitude. You'll be dwelling in a small space, rationing your meals with her other naughty slaves, and made to live in the conditions as she pleases. You'll be earning your keep and paying her back. You know how much you owe her, and it's either that or exacting a far worse punishment on those you love and yourself. So, you take the deal and are prepared on what to expect. You may be stuck here forever if your work is not exemplary. you fon't like it? You should've thought of that before living outside of your means and taking money you knew you'd never be able to return on your own.