Late loans can be negotiated for deferment in the following ways:
First, take the initiative to contact the loan platform. Application for deferment of repayment, the lender to take the initiative, try not to wait until the collection agency to collect before thinking of negotiation, so the success rate will be lower.
Second, during the negotiation process, you must show that you have the will to take the initiative to repay the loan. Negotiation should be sincere, explaining that you are not malicious delinquency, but a momentary trouble, the problem will be resolved in time to repay.
Third, on the face of it, I really can't pay back the loan for the time being for special reasons. Deferred repayment is usually set up for people who do run into unexpected circumstances, and not everyone can defer repayment. Because of this, everyone should really make their position clear during the negotiation process.