Not to be overwhelmed in a difficult situation

Naran While boating in Ooty Lake, take ELM. “Sink”, meaning drowning is the keyword for Elm. Sinking means overwhelmed. “I am sinking in debts”: he will come out of debts if he takes ELM. I want to put an end to this: ELM. For completion and finishing the job: ELM and OAK.