To manage my loans, repayments, and collection, I don't trust any software that does this. It is much safer to go to a broker who knows this better than any program. He will assess whether it is worth applying to the chosen bank and whether there is a high risk of rejection. Here, it is almost impossible to cope without an expert. You will have to go to the lending institutions and wait for a decision. So when I have to deal with my loans, I usually have a consultation with Mortgage Advice Derby. And then I decide how to deal with the situation.