You and I can negotiate to postpone the repayment. After the user handles your loan, if you are unable to repay it, you can try to call the customer service hotline of your loan actively and communicate with the other party to negotiate the repayment. Pay attention to sincerity in the negotiation process, inform the other party of the inability to repay, and it is best to provide proof of inability to repay, and explain the repayment intention to the other party to see if it is possible to negotiate or reduce interest. If the negotiation is successful, you need to pay back the money on time according to the result of the negotiation. If negotiation fails, you need to repay the loan on time according to the contract. The above is about whether you and I can negotiate to postpone repayment.