Just had the craziest week - needed ₱10,000 urgently and I'm still stressed

Last week, I suddenly needed ₱10,000 because my brother's tuition fee was due, and my parents were still waiting for their pension. I know it's not a huge amount, but it was a huge problem for us at that moment. I tried to apply for a loan from a local bank, but they rejected me because of my low credit score. I was worried and stressed, not knowing where to get the money from.

I started searching online for other loan options and stumbled upon some lenders with ridiculously high interest rates - we're talking about 20% per annum. I was like, "No way, I'm not paying that much." I felt frustrated and confused, not knowing what to do. I even considered borrowing from a friend, but I didn't want to put them in a tight spot.

A few days ago, I was browsing through Facebook, and I saw an ad about credit scores and how they affect loan applications. That's when I realized I needed to check my credit score. I found this while searching online, and I visited https://www.creditkaagapay.com/ to learn more about credit scores and how to improve them. I also read an article from the same website - https://www.creditkaagapay.com/blog/pag-ibig-housing-loan-update-what-it-means-for-borrowers-in-the-philippines/ - which talked about the Pag-IBIG housing loan update and how it's becoming easier for Filipinos to get a housing loan.

I was relieved to find out that there are still some options available for people like me with low credit scores. I'm still trying to figure things out, but at least I have a direction now. I'm planning to work on my credit score and maybe try to apply for a loan again in the future. For now, I'm just trying to get by and make ends meet.

Just sharing in case this helps someone who's going through the same thing. Has anyone else had a similar experience? How did you handle it? Let me know in the comments.