Step 02 · Explore your options
See what could work for you.
Once your situation is clearer, you can explore possible repayment arrangements with someone to help you understand the details and speak with your creditors.
Start with your circumstances.
Your budget and existing commitments guide the discussion. The focus is on arrangements you could realistically manage, rather than a payment figure considered in isolation.
Let us help with the creditor conversation.
ScoreUp speaks with your creditors on your behalf to discuss possible changes to payment arrangements. Your creditors need to consider and agree to any proposed changes.
Understand the trade-offs.
Discuss the proposed amounts, payment dates, duration and any relevant costs or conditions. Ask what each option means for your budget before deciding how to move forward.
A discussion does not change your existing agreement. Proposed arrangements depend on your circumstances and creditor approval; specific reductions or outcomes cannot be guaranteed.
Your next step