my life choice NOT

African bank my life choice NOT!!!! Im currently in bad place with money matters. But still i manage to pay the whole installment each month. Now that i asked can i like refinance my account as i cant afford to pay the whole amount anymore. They just say sorry we cant help you. Im even willing to pay again interest on it but they wont allow it. Nlw they say if i cant afford i must make an arrangement with them but then the next month i need to pay what i wasnt able to pay last month. So please tell me if im not able to pay that amount how will i be able to pay more next month??? Im very discussed with african bank. Really bad!!!!