Om Sairam Ramesh bhai,
You are right. To trust a person and giving such a big amount, without knowing him is simply foolishness. An income of Rs 50,000/- pm is a good amount to live happily. Even one should borrow (in case it is unavoidable) money according to his paying capacity. I have seen people living happily with small amount of money. It is the endless desires which compel to put a person into such problem.
Mansi ji, Om Sairam.
I am not aware about ur situation. But in case u r really in trouble then I suggest to do onething. Please completely surrender urself to Baba and meditate with HIS name in mind. U surrender and pray to Baba like Droupadi did to Lord Krishna to help her. I am sure Baba will definitely provide a solution to reduce ur depression. I am 100% sure about it.
May Baba bless you.
Om Sairam.