Help! I have a lot of credit

Good morning! Help me please. Povyazla into debt. I have a lot of credits (total debt of one million rubles), the monthly payment of 40,000 in the bank, I can not pay. I do not want to live. I contact the bank for help, to pay the debt with the help of refinancing.

Everywhere failure, since I have a small salary, working med.sestroy garden (17,000 rubles). There was only one way out, ask for help, or in a loop. Help me, save my life. Hands down. Svetlana. My card number 4276400017227290, Email: kuraninas@mail.ru.