Madmac is spot on. Everyone's situation is different, but people need to realise banks aren't running a charity. Why would a bank lend money to someone who evidently can't pay them back? Most people just want loans now to get by - in other words, to keep up a certain quality of life(consumption) - in the short-term, without considering the fact that they need to pay it back... With interest! Without knowing your situation exactly it's difficult to advise, but just consider whether you really need this money, or whether you can just take a bit of pain and deal with the problem at the source rather than pushing it down the road.