1. Analyze and sort out the financial situation: check your financial situation in detail, including all disposable income and expenses, as well as all liabilities and interest rates. Make a detailed budget to ensure that there is enough income to pay for daily expenses and repayment.

2. Adjust lifestyle and consumption habits: before clearing high-interest debts, temporarily cut unnecessary expenses and give priority to repaying high-interest debts. Plan the monthly expenditure reasonably, avoid excessive consumption and increase new debts.

3. Negotiate with lending institutions: contact lending institutions to explain the current financial difficulties and seek help. Some institutions may offer options such as delaying payment, rescheduling repayment plans or lowering interest rates. Negotiating solutions can ease financial pressure and reduce overdue risks.

4. Find other sources of income: consider finding additional job opportunities or doing part-time jobs in your spare time to increase your total income. This can help pay off debts and improve the financial situation.

5. Seek professional advice: If the self-help measures are not effective enough, you can seek the help of financial consultants or debt consulting institutions. They can provide personalized advice according to your specific situation and make a more comprehensive repayment plan.

Summary: After the epidemic, online loans were heavily in debt. Self-help and counterattack require you to actively analyze your financial situation, adjust your lifestyle, negotiate with lending institutions, find additional sources of income, and seek professional advice when necessary. These steps will help to stabilize the financial situation and gradually get rid of online loan liabilities. Remember, patience and perseverance are the key.