Installment reduction

This year has not been a good year for most of us , I made a lot of financial mistakes and I guess that how we all learn through mistakes , I took wellness loan at bayport which I’m very thankful for that they were able to pay my capitec account in full so I’m currently paying them , upon taking the loan I had other financial plans which unfortunately for me did not go as planned ,so taking their loan I had thought I was gonna settle the whole amount quicker because their interest are so high I’m paying R4571 every month and I’m not copying at all.I have 2kids and I’m renting ,I end up getting about R5200 on my salary because of the amount I’m paying which is nothing especially in this day and age where everything is expensive.So I sent them an email to plead with them to pay atleast R2000 and the response was I had to wait 6months ,so during these months how am I surviving do they even care to meet consumer half way ?we are struggling so much and it not that I don’t wanna pay but I’m simple asking for installment reductions since I’m struggling someone please help me I don’t wanna get depressed because of this but i am it’s almost festive season now and I don’t know how I will survive please bayport help me