Personally, I suggest paying back the money as soon as possible. At the same time, their actions are illegal and can be prosecuted. But at the same time, we must also find ways to pay back the money, and we can work by ourselves to make money and pay off debts. Don't use loans to support loans, or you will get deeper and deeper. If there is really no money to pay back, I have the following suggestions:

1. It is good to apply for an extension, but the initiative is not enough and it will not be too difficult. At least this attitude is correct.

2. Find a friend to borrow, pay the online loan first, and then pay them back. There is no overdue fee. Much better.

3. Improve your skills of making money. Only when your money-making skills are improved can you pay off your debts bit by bit.

Last but not least. We must develop good financial habits. The root cause of so much debt is that you have not developed good financial habits. As long as you have good financial habits, I'm afraid you won't be in debt no matter how little you earn.