1. Establish a healthy financial plan: the borrower should make a detailed repayment plan to ensure that the repayment can be made on time every month. This can be achieved by budgeting, cutting unnecessary expenses and increasing income.

2. Seek professional help: The borrower can consult a professional financial advisor or lawyer according to his personal situation to get advice and guidance. They can provide specific solutions, help allocate funds rationally and help make repayment plans.

3. Negotiation with creditors: The borrower can communicate with creditors on his own initiative, explain his predicament and propose reasonable repayment arrangements. Many creditors are willing to cooperate with borrowers, such as extending the repayment period, lowering interest rates or reducing some debts.

4. Find additional sources of income: Borrowers can find additional sources of income through part-time, sideline or other means to speed up the repayment process. This can help borrowers get out of debt trouble faster.

5. Improve financial literacy: Borrowers can improve their financial literacy and ability by learning about financial management and investment. This will help to avoid falling into similar debt problems again.

To sum up, the key to success lies in making a reasonable repayment plan, actively negotiating with creditors, seeking professional help, increasing income sources and comprehensively improving personal financial literacy. These measures can provide effective support for borrowers to get rid of online loan debts smoothly.

Extended data:

-People's Bank of China: www.pbc.gov.cn

-China Banking Regulatory Commission: www.cbirc.gov.cn.