Mark you as a scammer... Until you repay the debt, which shouldn't be that long in the future based on what you're saying about yourself.
Why would they be marked as a scammer? If they are actively trying to repay the loan, they are not scamming (not to mention its possible they default and the loan is a bust, not a scam), they are simply behind on payments (in which case they should pay a premium to the lender for the delay).
The individual is trying to finance a loan that can't be paid off with another... you guessed it. Another loan! Why would in terms of looking as a lender such as a bank give an individual a loan to pay off a previous loan...? That's basically called terribly money-management. This is individual has an outstanding loan of .5 bitcoin and seeks to remedy the situation with another loan of .5 bitcoin.