# Manage loans
When using the STAB Protocol, it is of crucial importance to keep track of your open loans, and ensure their good health.
To manage a loan, the user first has to select one \[1]. They are then provided with some useful information about its **status** \[2], and could close it immediately if they have the necessary STAB to pay off their debt in full.
Managing a loan
With a loan selected, the user can also **manage their collateral** (add or remove collateral) or **manage their debt** (partially pay it off, or borrow more).
**Managing collateral**\
If a user wants to **add collateral**, they should select the "Add collateral" selector \[1]. Here, they can choose how much collateral they want to add \[3], and the interface will show them their new collateralization ratio \[2].
Adding collateral to a loan
If a user wants to **remove collateral**, they select the "Remove collateral" selector \[1]. Here, they can choose how much collateral to remove \[3]. Be careful though, removing collateral will decrease the collateralization ratio of your loan! This new collateralization ratio is displayed about the input field \[2].
Removing collateral from a loan
**Managing debt**\
If a user wants to **pay off** some of their debt, they select the "Pay off debt" selector \[1]. Here, they can choose how much STAB debt to pay off \[3]. The new collateralization ratio is prominently displayed \[2].
Paying off a loan's STAB debt
If a user wants to **borrow more** against their collateral, they select the "Borrow more" selector \[1]. Here, they can choose how much debt to add to their loan \[3], and see the collateralization ratio this results in \[2]. Be careful though, borrowing more will lower a loan's collateralization ratio!
