from now on wards try to budget ur expenses with in ur earnings, we all have needs and 20K I believe is lot more than ur earning, unless there is sickness or accidental expenses in the family u should not go for loans from the bank or credit cards, u have a choice as prescribed by somebody in his msg: go to ur bank manager and describe ur situation to him assuring that u will definitely pay back the amount u owe to the bank, may be he will ask about some guarantee or guarantor which I believe either ur company or one of ur mate can sumbit, best of luck