Find extra money and talk to lenders

Small changes add up when they all go to one loan.

• Look at one month of spending and cut one or two things for 3 months.
• Put any side income, bonus or gift straight into the loan.
• If you can't keep up, call the lender before you miss a payment. Many will agree to a new payment plan. Get any agreement in writing.
• Be careful with offers to 'consolidate' or 'clear your CRB listing' for a fee. Check that the company is licensed first.