best to discuss with bank, not akpk. they can give discount provided you can settle the full amount. can oso request for installments. not sure if bank can extend long term, when term end, need to settle it in full, but you will save a lot. as example, owe 50k, but actual principal 20k. bank may offer full settlement of 30-35k. save 15-20k!! can temporary sell off one car, provided ada resale value. can always buy another when all settled...