1. Credit record is damaged: failure to repay online loans on time will lead to a decline in credit rating, which may make it difficult to obtain other loans and credit cards in the future and increase borrowing costs.

2. Debt collection: Borrowing institutions can adopt a variety of debt collection methods, such as telephone, SMS, door-to-door collection, etc. , will bring you harassment and stress.

3. Risk of legal disputes: The borrowing institution has the right to recover the arrears through legal channels, and can take prosecution or entrust a third party to collect debts.

4. Accumulation of interest and liquidated damages: Failure to repay online loans in time will generate high interest and late fees, which will make your debt bigger.

5. Damage to social reputation: Debt will affect an individual's social image and reputation, especially in the personal and commercial fields.

To sum up, owing more than 10,000 online loans will have a negative impact on your credit history, economic situation and mental stress. The best way to solve the problem of arrears is to negotiate the repayment plan with the borrowing institution and repay the arrears as soon as possible to avoid further consequences.

Extended data:

According to the relevant laws and regulations of our country, the borrowing institution has the right to take legal measures to recover the arrears, but the collection behavior must comply with the corresponding legal procedures and regulations. Borrowers also enjoy corresponding rights and protection measures, including appealing and seeking legal aid. It is suggested that when encountering problems, we should know and safeguard our legitimate rights and interests in time.