The loan application crisis in Kerala has escalated, with 15,000 complaints against illegal loan apps and at least 7 suicides attributed to harassment and cyber extortion. The recent case of Nithin Raj, a BDS student from Kannur Dental College, underscores the dangers of these predatory lending practices. Many of these apps lure borrowers with seemingly easy loans but impose exorbitant fees and high interest rates, leading to emotional and financial distress. Borrowers are advised to avoid downloading apps from unknown sources, verify the registration of lenders with the Reserve Bank of India (RBI), and restrict app permissions to safeguard personal information. Additionally, individuals should resist the urge to borrow under pressure and report any harassment to authorities immediately. This crisis serves as a crucial reminder for digital borrowers to conduct due diligence and seek trusted financial advice before engaging with loan services.