If her mother is dead, why is she paying those people money?
Also, there is another manhwa similar to this called aching heart y'all might want to check out.
Also also, I need to give mia a big hug and to tell her everything will be alright.
The only thing I can think about of is her mother's remains. I think it was in chapter 19 that she says she wasn't able to give her mother a proper funeral, so maybe they cremated her mother and Mia had to take a loan for it? idk how expensive it is, but they were struggling back then, so it would make sense. Deadbeat father squandered the money for the medical bills on booze, so there's no way he is getting a loan for a funeral and I doubt banks will lend to minors, so only the sketchy lenders are left. They might have kept her mother's remains as collateral? I have no clue, but that's the only way I can make sense of her talk with the loan shark/money lender in this chapter.
She got REALLY lucky that the pastor's wife found her and some random dude didn't take her. Though, I guess she was in a crowded place during the day, so it would have been hard for a dude to take her. Still, most people probably would have left her there, so good thing the pastor's wife was there.
I do wonder when Seojin comes into the picture. Mia is 20 right now, she left school/was forced out by her father at 18 and Taesoo said in the first (?) chapter that it had been 5 years since they "broke up" (for the lack of a better term). They were in the same class so birth year, so they are both around 23 right now. She meets Seojin in these 3 years and changes A LOT? Can happen, even more with amnesia and lots of stress, but it's also not guaranteed. We will see.