Peace, mercy, and blessings of God be upon you. I need to pay off arrears. I have a loan from Sanad company for 7000, and I still owe 4000. And a visa for 7700. And I have a travel ban, only 3870 remaining. I want to pay them off and get a new loan from another company or from the bank. And unify the installment and commitment. My salary is 4500.