Use the Loan Calculator from the Money Advice Service to work out how long it will take you to pay off your loan, based on your current monthly payments. If the loan is secured on your home, you could end up losing the property if you fall behind on your repayments. If you're having money problems, it's best to get some free, independent advice from a charity before you take on any further debt.
Housing Rights Service can help you if you're likely to lose your home because you've fallen behind on your rent or mortgage. If you've kept up with these payments, but you're having problems with other debts, get in contact with Debt Action NI.