What about rescheduling your current personal loan? This would mean taking out a new loan but you could negotiate to take it out over a longer period and minimise the payments. However, look for a Variable Rate Loan. This will allow you to make additional payments at any time and there should be no early settlement fees. When you come back from your travels and back on stream with your earnings, you could plough extra money into the loan to bring it back into line with your current outlay.