Best to find solutions before you start borrowing.
One is to read the loan contract very carefully. This is far more important than most borrowers realise.
See what has been said on www.gbac.com.au
If it is too late for that sort of solution then it is time to develop new strategies. That means reading up what is available.
If you need assistance you might wish to email greg@gbac.com.au.
Debt problems are best handled by fast action. It can be expensive to stick your head in the sand and hpe it will go away because it rarely does.