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If you are a tenant unable to fulfill your tenancy agreement due to financial difficulties, there are three ways to avoid paying the full rent and potentially losing your deposit. First, consider an "novation," which involves creating a new tenancy agreement with a new tenant to take over your remaining lease. Ensure you have your landlord's consent for this arrangement, as it benefits them by providing a new tenant without extra effort. Second, you can sublet the property; however, this method is discouraged since landlords typically won't recognize a subtenant's agreement, meaning you could still be held responsible for any unpaid rent by the subtenant.