I fully expect a load of abuse, feel free.

I've had a loan for years now and always earnt enough to pay it via direct debit no problems. But, my situation will change over the next few weeks/month's and I expect to take a massive paycut, I've spoke to the bank of possibly taking a break from the payments and they've said its not an option, if I genuinely dont have enough money coming in to pay the loan can I go about getting it written off somehow? I should just about be earning enough to cover the mortgage, bills and general cost of living but not the loan.

Any ideas?