1. Communicate and negotiate with the bank: First, you can try to communicate with the bank to explain your current predicament and seek the possibility of restructuring the loan plan. Depending on your financial situation and repayment ability, the bank may adjust the loan term, lower the interest rate or reduce the monthly payment to help you manage your debt better.
2. Seek professional advice and legal aid: If you feel that the communication with the bank has not achieved satisfactory results, you can seek the help of professional lawyers or debt consulting institutions. They can provide legal aid and advice to help you make a repayment plan or apply for bankruptcy protection.
3. Seek other repayment methods: consider selling unnecessary assets or finding other sources of income to reduce the repayment pressure. At the same time, optimize your expenses, cut unnecessary consumption and ensure that as much money as possible is used to pay off debts.