Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to modify a commercial loan [title] Decide whether to hire an attorney or company or negotiate on your own. [step] When it comes to modifying a commercial loan, you have several options for how you wish to proceed. You can hire a loan modification company, hire a private attorney to work with you, or negotiate on your own.

Ending1: [substeps] You cannot make a commercial loan modification by default. You can still help out by creating a contractual agreement about how much the original loan will cost and the amount you will pay in installments. Ending2: The choice of either option should be largely up to you. However, if you wish to negotiate on your own, then be sure to set up the attorney. Ending3: Either way, be sure to seek the help and input of a qualified attorney. [substeps] Whether to negotiate a loan modification on your own or seek legal assistance, you must negotiate with the attorney as soon as possible in order to minimize negative impact on your and your company's work. Ending4: [substeps] The main benefit to going without outside help is the cost. It's much less expensive to work solo and if you're modifying the loan due to financial strain this is a great way to cut back on unnecessary expenses.

Answer format: ending1/ending2/ending3/ending4