1. Repayment: If the interest of papaya loan meets the requirements, it is best to pay it off as soon as possible. This can avoid the accumulation of interest and fines, and at the same time avoid the negative impact on credit records.
2. Negotiation: If the loan cannot be repaid on time, you can negotiate with the papaya loan company to make a repayment plan. This usually includes measures such as installment payment or partial interest reduction.
3. Seek help: If the interest on papaya loan violates the law, you can seek legal aid or the help of debt management institutions.