Ever feel like your personal loan is haunting you? Here’s the scoop: getting your loan totally wiped away isn’t as easy as hitting “unsubscribe.” But if you’re really struggling—think job loss or medical bills—your lender might cut you a deal if you’re behind on payments. Usually, you’ll need to offer a lump sum (like a big one-time payment) to settle for less. If that’s not doable, credit counseling or refinancing could help you breathe easier. Don’t ghost your lender—talk it out! #DebtHelp #MoneyHacks #PersonalFinance #Finance