Help me please

Good time of day! I do not know where to start ... Desperate quite decided on a request for help from ordinary people. The state has no hope and help me not to anyone (parents I have 15 years). The fact is that while he was still married, we took out a mortgage the apartment.

I am a borrower of a bank. After some time, due to the enthusiasm of her husband drug, I had to make a decision about divorce. I could no longer look at my kids roaring with fear when it twisted convulsions and foaming mouth, he loses consciousness ...

As a result, I am alone with 2 children, the debts owed to the bank and threatened to be thrown out with the kids on the street. And the monthly payments for the next 16 years at a rate of 22600 rbl., At a salary of 24 000 ... Everything else I did not even stutter (and everything is clear).

Refinance at lower% does not work - banks refuse (because of the restructuring and unaffordable salaries) ... Yes, now there is a state. program for such cases, but each has its own terms and in each, on various criteria, I do not fit ...

I BEG YOU! HELP ME PLEASE! I would be grateful to any amount, even 10 rubles! I am very ashamed to beg ... I hate myself for it .... But I have no choice anymore ... I have no way to deal with it in some other way ... I beg you, do not remain indifferent ...

If you have a chance to help me and my children, here is my card number: 4276 5201 2448 1058 Lysenkova Oksana Ivanovna. Phone: 89524184105. Thank you very much and God bless you!