If you’re struggling to pay off your title loan, one option you might want to try is to reach out to a credit counselling agency These organizations, usually structured as non-profit entities, can help you tackle your debt problems. They do this by offering financial advice, crafting customized payment plans, consolidating your debt, and negotiating with lenders on your behalf for better loan interest rates and terms. Most credit counselling agencies offer their services for free or for a nominal fee.