What could be a good option available to you if you are
behind on loan payments?
A financial institution may offer for you to pay a
little now and pay the rest after your next pay day.
You can ignore your payments until the financial
institution asks about them.
You can take out a payday loan.
Ask your financial institution to get out of the loan
contract.

A financial institution may offer for you to pay a little now and pay the rest after your next pay day.

Explanation:

Loan is the amount of money lent by a financial institution to it's customers with an agreement for repayment on specified dates. The repayment would include the principal amount and the interest element which represent the gain on the loan granted.

These financial institutions often engage in loan rescheduling; meaning that another agreement will be made with the borrower on how payment will be made if already lagging in payment as agreed. The aim of loan rescheduling is to make the loan payment easy for customers who are behind on loan payments.

It therefore means that the the best option available to a person who is behind on loan payment is that the financial institution might offer the person to pay a little amount now and pay the remaining amount the next pay day.

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d) social security number

let me know if i am correct or not, so i can edit the answer.