Credit cooperative loans will never give up their creditor's rights. Generally speaking, the bank has lost its claim for creditor's rights because it has not been collected within the statutory limitation period (usually two years). There is no way to sue the lender through legal channels, and the court will decide to recover the loan. In other words, you can not return it. However, in the national credit system, you have been classified as bad credit, that is to say, you can't borrow money from the bank, and you can only borrow money after you pay back the money, and your credit record can be modified by the bank. Moreover, in rural areas, credit cooperatives are the most important financial institutions to support agriculture. If they don't repay, it will affect the whole family. Besides, you are responsible for repaying the loan, so don't ruin your credit yourself.