I kind am in the same boat (I took out many BTCjam loans and have always paid, and some loans are still paid a few months ahead of schedule), but with this crazy rise in value, im stuck a being behind probably for a while....on top of that I made a stupid decision to rent an office that took away funds from the business :-( , funds I could have invested in btc and be paying loans right now and still doing exchanges...I intend to pay, and anyone on BTCjam that needs help, I hope there are kind folks that can help!
I am sure most rather see honest people rise back up and keep going or get out in an honest way, instead of falling flat, information exposed and people getting on them and trying to ruin someones future in life.

Hope you can get what you need!