# 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.

<figure><img src="/files/mXUxdFCvAvJ1Iv9CXDBZ" alt=""><figcaption><p>Managing a loan</p></figcaption></figure>

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].

<figure><img src="/files/rOAAGswdQkzjIuhKBZaZ" alt="" width="516"><figcaption><p>Adding collateral to a loan</p></figcaption></figure>

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].

<figure><img src="/files/ckAUW5qOPA6UGkp4Qavd" alt="" width="516"><figcaption><p>Removing collateral from a loan</p></figcaption></figure>

**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].

<figure><img src="/files/Pd94iBhdc0KuL2KBNVIB" alt="" width="521"><figcaption><p>Paying off a loan's STAB debt</p></figcaption></figure>

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!

<figure><img src="/files/BdBbQOuCyJ6Eb5HTCBtK" alt="" width="518"><figcaption><p>Adding debt to an open loan</p></figcaption></figure>


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