from well-known platforms to other small online loans, one by one. Some online loans have just been loaned for thousands, and the interest has already reached tens of thousands. In the end, I don't know how much I borrowed!

then put these loans in order of repayment time. First of all, credit cards and credit information must be dealt with as soon as possible, so don't hesitate. Although there are several platforms for credit reporting now, don't be the last one because of credit reporting.

delimit the online loans that can't be credited, and negotiate with the platform whether it can only repay the principal. The annual interest exceeding 36% is not protected by law, and the excess interest is also invalid. At present, almost all the rates of small loans are seriously exceeding the standard, so you just have to pay back the statutory interest!

2. Face up to the collection and be fearless

The collection must be faced squarely. At this point, it is nothing more than exploding the address book, harassing contacts, and some unscrupulous platforms threatening to come to the door. Those who care about you will scold you and help you find a way, while those who don't care about you don't need to care what he thinks.

We only need to negotiate seriously and apply for the repayment time sincerely. Is anything else important? It's already been collected, so there's nothing to lose. In this world, do you need to care about so many people except your parents and lovers? Everything will pass with time, and only you know whether you live well or not.

3. Confess with your relatives, and your soul has been redeemed.

Just because you are embarrassed now doesn't mean that you don't have to run away from anything or be afraid of anything in the future. Maybe after confessing, parents can't do anything to clean up the mess for you. But the real meaning of confession lies in saying goodbye to the past, facing up to yourself and starting over. People are nothing but dead, and those who don't die will always get ahead.

Fourth, start over

Every time you are too tired, too scared to give up and too lazy to do it, just think about your family and the people you love. You are their light.

Find a new job and manage your family well. In the future, you need to manage your own credit information and get funds from formal banking and financial institutions. Only when we lose, can we understand how happy it is to have it. I believe that no one can appreciate the cheer after despair, and life makes us learn to cherish it more.