too much to pay

IVE GOT FOUR LOANS THERE AND I SUPPOSE TO FINISH THEM NEXT YEAR, BUT I DON'T SEE MYSELF FINISH PAYING THEM NOW I'M FAILING TO PAY THE FULL INSTALMENT. WHEN I ASK THEM TO COMBINE ALL THE LOANS AND MAKE IT ONE ALL SO THAT I WILL PAY ONE AMOUNT AND ONE INSTALMENT THEY REFUSE AND THE MONEY NOW IS VERY HIGH THAT MEANS EVEN THAT LITTLE MONEY I WAS PAYING I WAS THROWING IT AWAY. I NEED YOUR HELP PLEASE.<br> <br> THANK YOU