Restructuring of debts refers to

Restructuring of debts is a process of modifying the terms of a loan to make it more affordable for the borrower. This can involve extending the loan term, reducing the interest rate, or both. Restructuring of debts is often used when a borrower is struggling to make their monthly payments. It can help to prevent the borrower from defaulting on their loan and damaging their credit score.

Option A is incorrect because it would not make the loan more affordable for the borrower. In fact, it would likely make it more expensive.

Option C is incorrect because it would not solve the problem of the borrower being unable to make their monthly payments.

Option D is incorrect because it would only make the problem worse. The borrower would be taking on more debt, which would make it even more difficult to make their monthly payments.