******* to black customer

I bought a Mercedes Benz C200 in 2020 and the car was almost 7 to 800 000 and to date the balance is almost 230 000 and the installment is very very high still at more than 14 000. I have been asking for a decrease or restructuring of my instalment and MFC is refusing. What annoy me is that the higher instalment of such a small balance gets me deeper into debt and yet I want to keep the car and pay what I can afford but the bank is refusing to help restructure or review my instalment. Is it because I am black that the bank wants me to suffocate? I will never again use such a bank.