With prices falling and seasons in doubt, the debt risk is increasing daily for many farmers. Some are managing their farm loans well. Some are just hoping for the best! Get a quick, free, GBAC LoanCheck to assess your options before the bank does. Email greg@gbac.com.au . Always remember that loans are just like fences and yards. They need to be checked for maintenance. Most borrowers do not know all the terms and conditions the bank has written into the loan. Those terms are like wire in a fence. If they are broken, the loan can collapse. That can lead to extra stress and loan costs that nobody needs when things are tough. We know bank debt because as well as consulting all over Australia, we have run our own sheep and cattle properties. Only farmers know what it’s really like to handle a mortgage loan along with the challenges of weather, prices and government policy.