General Motors and Chrysler LLC said Tuesday they could need an additional $21.6 billion in federal loans between them because of worsening demand for their cars and trucks. The automakers added that bankruptcy would cost taxpayers more.

GM's plan for change

• Wants up to $16.6 billion more
• To accelerate 47,000 job cuts
• Seeks further concessions from union, dealers and suppliers
• GM's so far taken $13.4 billion.

Chrysler's plan for change

• Wants $5 billion more
• To cut 3,000 jobs
• Union, dealers, suppliers agree to concessions
• Chrysler's so far taken $4 billion.