How do you cope with burnout when quitting is not an option because you have a housing loan

I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actually helped, in order of impact: first, I used my medical leave and even took unpaid leave for a proper two-week break instead of pretending I was fine, because burnout is a health issue not weakness. Second, I quietly started applying for other jobs while employed, because just having options and interviews lined up made me feel less trapped even before I moved. Third, I saw a counsellor, and if cost is a worry, remember SOCSO now covers mental health consultations and there are free helplines like Befrienders. The trap is real but you have more moves than you think, you just can't see them clearly when you're this exhausted, so protect your health first, then plan your exit slowly.