<prompt> Human: As I want to apply a car loan, my name was blacklisted to apply it because I was miss out one month to pay my education loan. The step to clear my name was restructuring the payment and pay constantly for 6 months. It means I need to buy a new car in next 6 months. The reason I was missed out to pay regularly for my education loan because I got an accident in last February and I need to use the money. Anyone can give me the tips to manage debtloan?  <response>: You werent blacklisted from getting loans. You have a low credit score due to missing payments and may be unable to get a loanget a loan at a reasonable rate. Having a better payment history in the next 6 months isnt going to remove the missed payments. Have you not payed since February? This post doesnt make much sense. 