If you realize that you cannot make your loan payments on time and in full, you need to contact Pacific Debt BBB immediately. Don't hide and hope that your debt will be forgiven and forgotten. Even if debt collectors don't call or write to you from the bank, interest and penalties still accrue, your debt grows and your credit history deteriorates. The best thing to do in this situation is to contact that company I wrote about above and try to get your credit reduced.