{
    "category": {
        "name": "Debt & Loan Life",
        "description": "Student loans, EMIs, credit cards, and the haunting sound of financial responsibility. Whether you’re drowning in debt or just ignoring your bank's calls, this one’s for every swipe, borrow, and ‘I'll pay it off eventually.’",
        "keywords": ["debt", "loan", "student loans", "EMIs", "credit card", "repayment", "interest", "money stress"],
        "subcategories": [
            {
                "name": "Student Loan Struggles",
                "description": "You graduated years ago but your loan still thinks you’re in school — paying tuition to the grave.",
                "meme_angles": [
                    "Me: degree in hand. Loan: yeah but that’ll be $500/month forever",
                    "Student loan interest be like: ‘don’t forget me 😘’",
                    "I finished college but my debt refuses to graduate"
                ],
                "keywords": ["student loan", "education debt", "monthly payments", "graduate life"],
                "sample_captions": [
                    "Degree: $80K. Job: $40K. Math: illegal.",
                    "Still paying for the dorm room I barely slept in",
                    "Every time I think I’m free, Sallie Mae says ‘not so fast’"
                ]
            },
            {
                "name": "Credit Card Chaos",
                "description": "Buy now, cry every billing cycle. The cycle of swiping joy and statement panic.",
                "meme_angles": [
                    "Me: I’ll just use it for emergencies. Also me: buys concert tickets, again",
                    "That moment when you check your credit card bill and forget how to breathe",
                    "My credit card has seen me at my best… and my dumbest"
                ],
                "keywords": ["credit card", "spending habits", "interest", "minimum payment", "late fee panic"],
                "sample_captions": [
                    "Swiped with confidence, cried with the statement",
                    "I don’t rise and grind — I swipe and spiral",
                    "My credit card deserves an apology and a therapist"
                ]
            },
            {
                "name": "EMI Exhaustion",
                "description": "Every gadget, car, or house came with a long-term relationship — with monthly payments.",
                "meme_angles": [
                    "My EMI schedule has a tighter grip on me than my boss",
                    "I own this… in 34 more installments",
                    "It’s not mine. It’s the bank’s. I’m just holding it"
                ],
                "keywords": ["installments", "monthly payment", "mortgage", "auto loan", "possession illusion"],
                "sample_captions": [
                    "Bought it 2 years ago. Still paying like it’s brand new",
                    "Me: owns a car. Reality: the bank owns it and lets me drive",
                    "When your salary arrives and leaves for EMI duty"
                ]
            },
            {
                "name": "Debt Denial & Coping",
                "description": "You're broke, but you're vibing. Kind of. Sort of. Not really.",
                "meme_angles": [
                    "My debt is just background noise now. A soundtrack to my existence",
                    "I don’t check my account. If I can’t see it, it’s not real",
                    "I cope by calling it 'character building'"
                ],
                "keywords": ["coping", "money denial", "financial humor", "broke vibes", "mental debt math"],
                "sample_captions": [
                    "Debt? I prefer the term ‘ongoing financial romance’",
                    "My debt and I are in a long-term toxic relationship",
                    "Manifesting abundance while ignoring my loan app notifications"
                ]
            }
        ]
    }
}
