Legal analysis: you can borrow money from relatives and friends if you can't afford online loans, and you should bear corresponding responsibilities if you don't repay them in time. If the loan is overdue, the lender will collect it and remind the borrower to repay it in time. At the same time, the repayment interest will rise to the daily penalty interest. There will be bad credit records, which will affect the handling of loans and credit cards in the future. It is recommended to inform your family to settle the repayment as soon as possible. If the individual has no repayment ability, it is recommended not to lend. If an individual chooses not to pay within the time limit, it will easily have a bad influence on the individual. At the same time, the repayment amount is too high, so it is best to repay the loan as soon as possible.

Legal basis: Article 175th of the Criminal Law of People's Republic of China (PRC). Where loans, bill acceptance, letters of credit, guarantees, etc. are obtained. Whoever cheats a bank or other financial institution, causing heavy losses to the bank or other financial institution or having other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.