Well, I have to clarify that personally I have never had any loan or debt in my life so this thread has nothing to do with my experience but intends to find out how people in loan/debt deal with the problem. Let's say you take loans from a bank and sometimes for whatever reason, you can not pay the debt on time, then you borrow money from other channels. Sure this works for a certain period but later bad things may happen, you have to postpone the payment and struggle with finances again. Isn't this a vicious circle ? How would you deal with the problem ? I am all ears.
It's a never ending cycle if you don't have any method to actually pay the "actual debt". The closest you can get for getting loan is probably from your close relatives or your family, so you won't get any "big" trouble. But still it's mandatory to actually pay the loan as a normal human being. If I was at that position, I would borrow from only one person so I can manage my financials. It's not really healthy to be in debt to multiple person.