1. Stop using loans to support loans: users applying for too many online loans will make other lending institutions think that users are suspected of using loans to support loans. Users immediately stop applying for loans and apply for loans after a period of time.

2. Find friends and relatives to turn around: after the online loan is overdue, there is no money to pay back. Users can borrow money from family or friends for turnover, and then return it to each other after they have money. The overdue amount of users is high. When a family member or friend can't come up with so much money, users can spread the amount and borrow money from more friends, so that they can borrow the amount they need.

3. peer-to-peer lending, mbth (Internetlending) refers to the behavior of individuals lending to each other through online platforms, that is, taking a third-party online lending platform (a website with relevant qualifications) as an intermediary platform, the borrower publishes the loan target on the platform, and the investor lends money to the borrower through bidding. Generally speaking, investors and borrowers complete the loan of funds through network connection.