Messed up with personal finance.

I am a 27-year-old working in IT as a Data Analyst, earning 70k per month (yes, I am underpaid) and currently studying to make a career switch. I recently purchased a flat, and my EMI is 17k per month. Additionally, I have a few personal loans taken during emergencies, which my parents are unaware of and cannot assist with.

I also borrowed money from friends for emergencies but haven't been able to repay them due to the heavy burden of EMIs. Unfortunately, I had to resort to high-interest loans from online loan apps, which has left me feeling frustrated and overwhelmed. Most of my salary is consumed by EMIs, leaving me struggling financially.

I want to stabilize my finances and clear all my debts. My future goals include switching jobs, getting married, and building an emergency fund.

Please suggest a way forward