Loan at pawn shop

[JSubrin]

I currently have a loan at a local pawn shop on some jewelry that is very important and sentimental to me. The loan originated almost 2 years ago for about $400. For almost a year I was able to pay the amount required to keep the loan going, but due to financial troubles have only been able to pay small amounts whenever I could afford it. The amount due now is about $1200 and growing every month, and the owners want me to pay them asap. I don't have that kind of money and have asked them about other options such as "purchasing" my jewelry on a layaway type of payment plan so that the amount doesn't continue to grow each month. They won't agree to any options and I am afraid of losing this jewelry.