If it is not paid by the repayment date, if the corresponding liability for breach of contract, such as late payment fee, is stipulated in the IOU, the debtor may eventually bear liquidated damages other than principal and interest.

If the creditor sues the court and decides that you still don't repay the loan, it may have an impact on the debtor's credit and be included in the "blacklist". This will bring inconvenience to the debtor's loans and travel in his future life.