u/Born-Point-9183

Hey all, just in a bit of need. i have loans with credit union and revolut that are currently 35k but credit union loan will be finished next may anf revolut which is 30k is finished in 5 years. im at a stage where im barelu getting through to paying the loans but could defaukt at any stage. ive tried to get them refinance to increase duration to 10 years, crefit union have said i cant apply till next jan, i tried to apply for refinancing with Avant and they said from their credit reference agency check with the CCR that they cant proceed with it. i havnt missed a payment yet and own my house and have 1 child