Pacific Taikai Loan only negotiates the repayment of principal, that is, the borrower needs to contact the customer service staff of Pacific Taikai Loan, inform them of their willingness and ability to repay, and make a request for repayment of principal through negotiation. The borrower needs to provide relevant financial materials. After understanding the borrower's repayment ability, Pacific Taikai Loan will negotiate with the borrower to formulate a reasonable repayment plan, including the number of installments and the repayment amount.