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If you are a tenant facing financial difficulties and cannot fulfill your tenancy agreement, there are three ways to avoid paying the full rent and losing your deposit. Firstly, you can do an novation, where a new tenant takes over your remaining lease with the landlord's consent. Secondly, you can sublet the property to another tenant, but this is risky as the landlord may not sign a valid agreement with the new subtenant, leaving you liable for any rent arrears. Lastly, you can negotiate with your landlord for an early termination of the agreement, potentially avoiding legal repercussions.