I feel for your situation, there are no doubt also many others having similar dilemas now.
Remember every time you switch to a different cyber currency you will most likely lose some.
Try to negotiate with your debtors for time to pay.
The whole world of cyber currencies goes up and down at a moments notice. You should never put in more than you could afford to lose. Having said that, a bounceback is expected soon, so this will most likely affect steem/sbd too in a good way.
A great way boost your sbd is on Dmania, it's for memes, really short videos, images. If you can make memes you could earn well. There's also DTube too. Stay positive and good luck man.
RE: Asking for help is hard to do even $1 dollar will help and will be greatly appreciated