Many friends either fell into the quagmire of illegal loans because they invested a lot of money in bad hobbies because of a temporary obsession; or because of temporary difficulties in capital turnover and no way to seek help, they fell into a trap out of desperation. Loan traps...

In the face of informal loan platforms, it is easy to borrow but difficult to repay. Inner self-blame, mental suffering, and real financial pressure are mixed together, and life is not easy for friends who borrow money.

Carlyle said: "Money can do many things, but it cannot do everything. We should know its areas, limit it there, and even kick them when it wants to go further. Go back." The author has also compiled some methods for getting ashore, hoping it will be helpful to everyone.

1. Seek help from relatives and friends

Some friends may not be able to save face and are embarrassed to ask friends for help. But at this critical moment, instead of waiting for the loan platform to expose your address book or come to collect debts, it is better to take the initiative to confess to relatives and friends, sincerely explain the whole story, and seek their understanding and help. Generally speaking, if you can make them feel your positive attitude of determination to go ashore, they will also lend a helping hand to you out of love.

2. Find a stable job

It is better to rely on ourselves than to rely on others. Even if others can help us, we must rely on our own abilities to solve this problem. Try to find a stable job. Even if a stable source of income is insignificant compared to the amount owed on the loan, it can at least give us some peace of mind. It can also be regarded as a small ritual to start a new life again.

3. Have a positive attitude

Being overdue on a formal loan platform will have a negative impact on us, and it will be even more annoying if it is an illegal loan platform. Even if you don't have the financial ability to pay back the money, you should have a positive attitude when the debt collectors call for debts, go to negotiate with them with your own repayment plan, and tell them that you really don't have the money now, but you will definitely pay it back. Try to It can make them accommodating for a while.

4. Stay away from bad hobbies

At this time, unhealthy hobbies such as gambling and game addiction must be kept as far away as possible, which may make the spirit more depressed. If you are sluggish, and secondly, if your self-control ability is not strong, you may be tricked into spending a lot of money again. Cultivating healthy and sunny living habits and regulating your life have a very important impact on correcting your mentality and working hard to repay your loan.

5. Cut off everything and eradicate the roots

The root cause of this difficult situation is illegal loans, and only by finding the root of the problem can the problem be completely solved. Campus loans, naked loans, routine loans, etc., you must stay away from informal loan platform institutions. Don’t try to finance loans with loans. The result may be that the snowball of debt gets bigger and bigger, and eventually we are overwhelmed and unable to stand up. Learn to face the problem squarely instead of being a "parasite" in the problem.

Maybe now you are walking among the people coming and going, feeling lonely and helpless, thinking of your concerned relatives, the pressure of life, the rent you can’t afford, the collection calls one after another, and... Loans that have not been repaid and no hope for the future. But don't give up no matter what, "there is no way out despite the mountains and rivers, and there is a village with dark flowers and bright flowers." As long as you work hard to save yourself, you will be able to go ashore one day.

You have worked hard too.