1. First, actively communicate and negotiate with loan banks. Explain your predicament and try to find flexible repayment arrangements, such as deferred repayment and installment payment.

Secondly, if the negotiation with the bank fails to achieve satisfactory results, you can consult a lawyer or legal institution for legal aid. They can help you understand the relevant legal provisions and provide corresponding legal advice and solutions.

Finally, you can try to find other sources of funds to repay the loan.