1, you can communicate with your friends, ask them why they don't repay the loan, and try to solve any possible problems.
2. If a friend refuses to repay, you can consider seeking legal help. You can consult a lawyer to understand the rights and feasible solutions.
3. If you can't solve it with your friends, you can report it to the lending institution. Lending institutions will take measures to collect debts, such as sending reminders to friends or taking legal action.
If you are the guarantor of the loan, you need to consider taking responsibility. This may mean that you need to repay the loan on behalf of your friends, or negotiate other solutions with the lending institution.