if your intention was clean from the first place for seeking the loan, then why not provide any documents that can show that you indeed took up culinary lessons.
if your intention to pay is clean and your story is true, then why not provide any documents that you indeed paid 10,015php thru world remit.
if you can provide the necessary documents to support your claim, then lets talk terms on how you can pay the debt. otherwise, i'll assume that you're cloudina and you'll experience what 2 btc can do to your life.
again fine by me. i respect whatever it is you wish as it'll be something i will bring with me in my grave my conscience is clean and i tried talking this out to you.