I have known personally a lot of people that have been struggling financially for some period in their life and during that time I suspect they might have felt in a sense abandoned by their community. It is not easy to ask other people to borrow some money, but it is a lot worse to ask for them and then be rejected. Nonetheless, there are some places that can help people who need a lot and they even help people with poor credit history. I am sure that there are a wide array of financial services being offered to those who need them most. Anyway, a person who has many loans might be in a tough situation. It is hard to say what to do in such circumstances, but some say that debt consolidation might help. The goal of debt consolidation is to reduce monthly payments. Due to reduced payments it might be possible for families to pay back their loans again. The most important thing is to negotiate a good deal. Talking to someone who had experience with debt consolidation can also help.