1. legal procedures: loan disputes usually need to go through legal procedures, including prosecution, mediation and judgment. The judgment may include fines, recovery or other civil liabilities, but usually it does not involve criminal punishment.

2. Repayment ability: If repayment cannot be made at present, creditors may take legal measures to recover debts, such as applying for enforcement and freezing assets. But that doesn't mean you will be sentenced immediately.

3. Intentional fraud: intentionally providing false information or borrowing money by fraudulent means may constitute criminal acts such as fraud and may be investigated for criminal responsibility. But this needs specific analysis.

4. Mediation and negotiation: In China, debt disputes can be settled through mediation or negotiation. You can negotiate with creditors about repayment methods and deferred repayment to avoid further legal risks.

Summary: Failure to repay 20,000 online loans on time does not necessarily lead to criminal judgment, but usually involves civil liability and legal procedures. It is suggested to negotiate with creditors as soon as possible and abide by relevant laws and regulations to avoid greater legal risks.

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This answer is based on the common legal principles and procedures in China. Due to regional, court decisions, legal changes and other factors, the specific situation will be different. If you face similar problems, please consult a professional lawyer and get accurate legal advice.