How did you try to work with the bank? Was your attitude adversary, with expectation of them being uncaring and greedy, etc? Did you envision a happy outcome from negotiation with the bank, with both sides being happy about it? Or simply a nice outcome of getting out of debt and the bank being satisfied, however it came about? Working yourself ragged to pay them was your limited way of solving the problem, which is far from ideal as I'm sure you are aware of.
Keep feeding positive scenarios your energy but be clear about the desired outcome, instead of all kinds of different fleeting fantasies, which diffuse the energy.