You may feel that your life is gloomy if you are facing a situation where you owe more than 80,000 yuan in online loan debts. The steps to solve this problem are as follows:

1. Face the problem: First, face the problem of arrears and do not avoid or deny the reality. Recognizing that a problem exists is the first step to solving it.

2. Assess your financial situation: Carefully analyze your financial situation, including income, expenses and debts. Understand your financial situation and lay the foundation for formulating a reasonable repayment plan in the next step.

3. Develop a repayment plan: Develop a feasible repayment plan based on your own financial situation. This may include cutting expenses, seeking additional income, negotiating repayment arrangements with creditors, etc.

4. Negotiate with creditors: Contact your creditors as soon as possible to inform them of your predicament and propose a reasonable repayment plan that will repay the debt. Some creditors may be willing to work with you to extend the repayment period or waive some of the interest.

5. Seek help: If you are having trouble coping, you can seek help from a professional financial advisor or credit counseling agency. They can provide additional advice and solutions to help you restructure your financial situation.

6. Mentality adjustment: When facing difficulties, it is very important to maintain a positive attitude. Seek support and encouragement, and see the problem not as an end, but as a new beginning. Keep working hard and gradually pay off your debt.

Summary: Dealing with debt problems requires courage and determination. Face reality, evaluate your financial situation, develop a reasonable repayment plan, negotiate with creditors, and seek professional help. Through positive action and an optimistic attitude, difficulties can be overcome and gloomy situations can be gradually emerged.

(Supplementary information: In China, personal debt problems can be handled in different ways such as negotiated repayment, loan restructuring, legal procedures, etc. The specific methods and applicable rules will vary according to the situation. If the above mentioned If these steps cannot solve the problem, you may need to consult a professional or lawyer for better guidance)