NOT UNDERSTANDING

I HAVE A LOAN WITH STANDARD BANK WHICH I TOOK OUT IN 2013 NEVER MISSED A PAYMENT<br> 2 YEARS I ASKED FOR RESTRUCTURING FOR 4 MONTHS BECAUSE I WILL BE ON MATERNITY LEAVE<br> FOR 4 MONTHS WITHOUT A SALARY , AND I WONTBE ABLE TO AKE MY MONTHLY INSTALLMENTS<br> I WAS TOLD STRIAGHT OUT THAT THERE IS NO RESTRUCTERING FOR PERSONAL ADVANCED LOANS I MUST MAKE A PLAN TO PAY MY MONTHLY INSTALLMENTS OR ELSE MY ACCOUNT WILL BE HANDED OVER TO THE ATTORNEYS IF I MISS PAYMENT FOR 2 MONTHS ...MY QUESTION IS HOW DO I MAKE A PLAN GET MYSELF INTO MORE DEBT JUST TO MAKE THE PAYMENTS???? ITS NOT LIKE IM SAYING I DONT WANT TO PAY AT ALL I JUST NEED REDUCED INSTALLMENTS UNTIL I GET BACK TO WORK WE ARE ENCORAGED TO COMMUNICATE WITH OUR SERVICE PROVIDERS IF AT ALL WE FEEL THAT WE CANT MAKE AND NOT AVOID THEIR CALLS ..I DID JUST THAT AND I WAS SLAPPED VERY HARD IN THE FACE , I REALLY REGRET TAKING OUT A LOAN WITH STANDARD BANK FROM THE FIRST PLACE.