Well, I'm a bit more blunt, so I'm going to tell you what I think.
It's good that you started a thread like this. I'd also like to join the others in expressing my sympathies for how hard things have been for you with your health and the earthquake.
That said, you're neither the first nor will you be the last person in a similar situation to end up defaulting. What you need to do is whatever it takes to pay off the loan and never take out another loan again.
Hi Shasan, I need another loan, this time for $150. The additional amount due is $170, which will continue to be paid as usual to your Bitcoin address directly from the signature campaign.
My loan repayment date is tomorrow. Therefore, I request that both loans be merged on the same date, and the total repayment amount should be (378 + 30%) + 170 = $661
If you're in a bad financial situation, how the hell is paying 30% on borrowed money going to help you get out of it? And we're talking about paying back that 30% in less than a year, which means the APR is going to be in the hundreds or thousands of percent.