1. The debtor shall contact the lending institution in time to explain the situation and pay off the debt as soon as possible. This can help avoid the accumulation of interest and reduce possible extra costs.

2. The debtor can try to negotiate with the borrowing institution to make a repayment plan. Through cooperation with lending institutions, the two sides reached an agreement, found a repayment method suitable for both sides, and reduced the economic pressure of debtors.

3. If the debtor can't pay off the debt in one lump sum, he can try to seek professional financial consulting services or legal aid. These service agencies can provide professional advice and help to help debtors solve their debt problems and make feasible repayment plans for them.

When dealing with overdue debts, the debtor should keep all relevant documents and correspondence records for possible disputes in the future.

Summary:

For the overdue online loans owed by debtors, the most important thing is to communicate with the borrowing institutions in time and take active actions to solve the problem. Negotiating repayment plans with borrowing institutions or seeking professional advice can help debtors reduce their economic pressure and find the best way to solve debt problems.

Extended data:

1. Article 129 of the Contract Law of People's Republic of China (PRC) stipulates the relevant legal liabilities of the loan contract.

2. The People's Bank of China issued guidance on the special rectification of Internet financial risks, and provided relevant policy suggestions for online credit.