1. Personal credit is blacklisted, and you cannot apply for loans or credit cards in the future.

2. Call for payment. Generally speaking, if the final repayment date exceeds three days, the lending institution will ask the borrower by phone whether there is still a delay in repayment amount.

3. Be sued. If the collection fails, the lending institution will take out legal weapons to safeguard its rights and interests.

I suggest that you must repay the loan, or borrow it from relatives and friends, or apply for an extension.