Borrowing 6,000 yuan and paying back 120,000 yuan obviously involves routine loans. This is an illegal loan sharking behavior and should be stayed away from. The following are three tips to stay away from routine loans:

1. Be wary of promises of high returns: Routine loans usually lure people with quick loans and high returns as bait. But in reality, this approach often results in a rapid increase in the amount of borrowed money, leading to a huge debt burden.

2. Understand the loan details and contract terms: Before signing any loan contract, carefully read and understand all the details and contract terms. Make sure you clearly know important information such as the loan principal, interest, and repayment period. Avoid being deceived by hidden fees or disguised interest rate hikes.

3. You need to carefully choose formal channels for borrowing: choose a reputable financial institution or a legal lending platform to ensure you can obtain reasonable interest rates and transparent repayment methods. Try to avoid borrowing through unofficial channels or social media to reduce the risk of being exposed to routine loans.

To sum up, the key to staying away from routine loans is to stay vigilant, understand the contract details, and choose formal channels for borrowing. In addition, when online loans are overdue, you can obtain online loan big data reports to evaluate your own credit status and overdue information in order to make correct repayment arrangements.