Their household income was not enough to absorb the cost of her husband's medical bill after he sustained an injury carrying drinking water from house to house.
Than Than Htwe took out another loan, this time from a neighbour living across the street.
She was unable to afford the five percent daily interest rate and the debt quickly tripled.
"If you are the woman in the family and not educated, your only choice is sex work.
In a recent survey of three townships, Save the Children discovered that 85 percent of households have taken out a loan from a local moneylender.