1. Loan restructuring: Negotiate with the online lending platform to request repayment of the loan amount in installments or extend the repayment period. This requires cooperation and willingness to discuss the actual repayment plan.
2. Raise funds: Try to raise funds by cutting expenses, increasing extra income or seeking social support. For example, cut unnecessary consumption, find a part-time job or borrow money from relatives and friends.
3. Seek professional help: consult financial advisers, legal aid organizations or debt mediation agencies to get personalized advice and guidance to ensure the correct action plan is taken.
4. Re-evaluate assets: Evaluate your assets to see if you have any realizable property to repay part or all of the loan. For example, selling idle items, real estate or vehicles.
5. Avoid new debts: avoid further borrowing to reduce the debt burden. Make a budget and stick to it to ensure sufficient cash flow to meet daily expenses and repay debts.
Summary:
Facing the loan dilemma, the key is to actively communicate with creditors and make a feasible repayment plan, and at the same time actively seek professional help. This problem will be solved gradually by raising funds reasonably, reassessing assets and controlling new debts. It is important to adhere to the payment obligation and avoid further aggravating the debt problem.
Extended data:
If the debt problem cannot be solved by the above methods, legal procedures (such as bankruptcy application) or legal matters related to consulting lawyers may need to be considered. However, before taking any legal action, please be sure to know the relevant laws and regulations of China and consult professional lawyers for accurate guidance when necessary.