If you owe 200,000 online loans and are unable to pay them back, you can consider the following measures:

1. Communication and negotiation: communicate actively with the borrowing platform or bank to explain your financial predicament and seek the possibility of deferring repayment, reducing interest charges, or rescheduling repayment plans.

2. Debt restructuring: You can try debt restructuring through a professional organization to reduce the interest rate or extend the repayment period so as to reduce the repayment pressure. This requires you to provide detailed financial information and debt situation.

3. Seek help: Consult a professional credit counseling agency who can help you analyze your financial situation, provide advice and assist you in negotiating with your creditors.

4. Dispose of assets: If necessary, sell some unnecessary assets to cover your debts. Ensure that you carefully assess the value of the assets before the sale and comply with relevant regulations.

5. Avoidance of new debt: Avoid further borrowing or overdrafts to prevent deterioration of your financial position.

Summary: When faced with an online loan that you can't repay, communication and negotiation is the first option, try to reach a **** understanding with the creditor to reduce the pressure of repayment. If the situation is complicated, it is wise to seek professional help. In addition, avoiding new debts and disposing of assets wisely are also options that should be considered. Please note that these recommendations may vary depending on individual circumstances and it is advisable to make decisions after consulting with a professional organization.

Extended information:

According to the laws of China, the act of borrowing and lending is governed by the Civil Law, Contract Law and other relevant The borrower is bound by the civil law, contract law and other relevant regulations, and is required to comply with the corresponding contractual agreements and fulfill the repayment obligations. If you are unable to repay the loan on time, the borrower and the creditor can negotiate a settlement or resolve the dispute through legal channels. At the same time, the online lending industry is also regulated by regulatory agencies to protect the rights and interests of both borrowers and lenders.