Personal Loan Q

I consolidated some debt with NFCU using a personal loan. The interest coupled with the amount I owe has gotten to be too much to bear with my family’s financial situation.

What happens if I stop making the payments? I don’t have any other options with them except to extend the loan according to the service reps I spoke to. (I’m 18 months deep and don’t wanna do that) I’m drowning with this payment monthly. If I offer to pay a majority of it, with they settle it? I also have a car loan with them that I intend to keep and pay for fully.

Any advice?