The interest owed by online loans is so high that it is almost impossible to pay back a dozen or seven thousand yuan a month, and it is even more impossible to pay back eight or nine thousand yuan with loans. Negotiate with online goods, your monthly income is now 8,000 yuan, keep 3,000 yuan for living expenses, and 5,000 yuan for returning online goods, with low interest and large amount paid first. If there is 7- 14 or the interest exceeds the national regulations and there is beheading interest, it is recommended not to pay back a penny. Don't think about looking for any bank or other individual to borrow money and repay online loans. Even if the bank interest rate is low, it is not advisable to pay back the money online, which will only make you pay more and more. I personally experienced that the bank's credit record exceeded 150, and now the online loan can't be used for nearly a year.