Dear Miriam,

I am writing to you for help in solving a financial problem or maybe some of your readers might be able to help. I was working outside the home until last January, when I fell and fractured my hip. I will not be able to return to work anymore, as the work I was doing was very physical. I took out a credit union loan a number of years ago. I am getting my old age pension, but I find it hard to make repayments. I can’t sleep at night and I am very stressed about the whole thing. Is there anybody out there who could advise me on the right thing to do?