Have very high interest loans - Please help

Do yourself the best favor you can ever, or ask for: Stop borrowing.

Next, assess your present financial scenario and create a budget. Don't break it come what may.

Increase your income and make larger debt payments to pay off your loans faster.

Revisit your budget and cut off all the unnecessary expenses as much as possible. Save more from your income to make larger payments. Your main priority should be your PDL payments. Negotiate with your lenders to lower the interest rate. Since you have good payment record, they can consider your request.

If nothing works, then seek professional help.

If you're not able to solve your debt problems all by yourself, you can take professional help by enrolling in a consolidation or a settlement program. The company representatives can negotiate with your creditors on your behalf and you can get rid of your debts by making agreed upon single monthly payments.