filister , 6 months ago

At least you are dealing with a bank. Where I am coming from there are private creditors who are offering easy credits to anyone interested and then they hit you with unbelievably high interest rates that are almost always impossible to pay, so people are being blackmailed, and sometimes either beaten and/or losing the roof of their heads. So be grateful that you aren’t dealing with such thugs.

What you can do is actually inquire other banks what conditions they can offer you to transfer this debt to them and always prioritise your debt payments above everything else.