Reducing your personal loans in one year can be a challenging but achievable goal with careful planning and discipline. Here are some tips to help you make progress towards paying off your personal loans faster:

1. Create a Budget: Start by creating a detailed budget that outlines your income and expenses. Identify areas where you can cut back on discretionary spending and allocate more money towards loan repayments.

2. Set Clear Goals: Set specific, realistic, and measurable goals for reducing your personal loans within a year. Having a clear target will help you stay motivated and focused on your financial objectives.

3. Prioritize Debt Repayment: Make debt repayment a top priority in your budget. Allocate as much extra money as possible towards paying down your loans beyond the minimum monthly payments.

4. Increase Income: Look for opportunities to increase your income, such as taking on a part-time job, freelancing, or selling items you no longer need. The additional income can be used to accelerate loan repayments.

5. Use Windfalls Wisely: If you receive unexpected money, such as a bonus, tax refund, or gift, consider using a portion or all of it to pay off your loans.

6. Refinance or Consolidate: Explore the possibility of refinancing your loans to get a lower interest rate or consolidating multiple loans into one to simplify payments and potentially save on interest.

7. Avoid New Debt: During this period of aggressive debt repayment, avoid taking on new debt or using credit cards excessively. Focus on reducing your existing debt burden.

8. Negotiate with Lenders: If you're facing financial hardship, consider contacting your lenders to discuss potential repayment options or loan restructuring that can make the repayment process more manageable.

9. Automate Payments: Set up automatic payments to ensure that you never miss a due date. This can help you avoid late fees and maintain a positive payment history.

10. Cut Unnecessary Expenses: Analyze your spending habits and identify non-essential expenses that you can eliminate or reduce. Redirect the money saved towards loan repayment.

11. Seek Professional Advice: If you're finding it challenging to manage your loans, consider seeking advice from a financial advisor who can help you create a personalized plan.

12. Stay Motivated: Reducing debt requires discipline and persistence. Stay motivated by tracking your progress regularly and celebrating small victories along the way.

Remember that paying off personal loans quickly may require making sacrifices and changes to your lifestyle temporarily. However, the financial freedom you gain by reducing debt can have a significant positive impact on your long-term financial well-being.