1. Communicate with the loan platform or bank in time and report the overdue situation. Explain the reasons and seek solutions to show sincerity and willingness to repay the debt.

2. Try to repay the arrears. Make up the overdue amount as soon as possible to reduce the accumulation of interest and late fees, while maintaining personal credit records.

3. Consult professionals or relevant institutions. Seek the help of debt consulting institutions and consumer rights protection organizations to understand the legal provisions and rights protection measures.

4. Negotiate with the lender to formulate the repayment plan. Negotiate a feasible installment plan with creditors, arrange repayment reasonably, and ensure an agreement is reached.

5. Avoid similar problems with other loan products. Carefully manage personal finances, rationally plan expenditures, and avoid falling into unbearable debt difficulties again.

Conclusion: After the deadline, it is important to keep communication, take positive actions and seek professional help. Solving the problem as soon as possible can reduce the economic pressure and avoid the long-term impact on personal credit. Remember, facing the overdue problem responsibly is the key to solving the dilemma.

Extended data:

The relevant laws of our country stipulate the legal consequences and handling methods of debt default. You can also learn about your personal credit history and how to improve your credit status.