This is really the only solution for now.. OP should stop blaming the casino and trying to get a refund. Instead, he needs to accept that he messed up and focus on working to pay the debt. Because if that debt doesn’t get paid, life won’t move forward. The important thing is the commitment to pay, even if it takes time.

So OP, face it. Talk to your lender and be honest about your current situation. If you really can't pay right now, they can't force you, but once you have the means, you have the responsibility to settle it.