Well, I can tell you that debt from friends isn't as terrible as debt from a boss. I borrowed money from my boss several times, which weighed on my soul. The need to pay my boss back held me back, and I felt triggered at work. So I quickly straightened it out by borrowing money from friends and giving it back to him faster. It took me a long time to pay my friends back, but they weren't offended by this. How much did you borrow from your friends that you want to take out a loan? You probably got turned down because of bad credit history, man. Try contacting Mortgage Advice Coventry. I think this specialist can advise you on what to do.