1. Face the reality: admit your debt problem and realize the importance of solving it.
2. Investigate the income and expenditure: carefully evaluate the monthly income and expenditure, determine the necessary expenses and cut unnecessary expenses, and save funds for debt repayment.
3. Communicate with the borrower: contact the borrower as soon as possible, explain your predicament, and seek solutions such as deferred repayment, interest reduction or installment repayment.
4. Debt restructuring plan: negotiate with the borrower to formulate a feasible debt restructuring plan, repay the debt by stages, and reduce the burden.
5. Seek professional help: seek professional advice and guidance from credit consulting institutions or legal aid departments to find a reasonable solution.
6. Increase the source of income: consider looking for extra jobs or part-time jobs to increase income to pay off debts.
7. Borrow cautiously: avoid borrowing again, so as not to get into deeper debt trouble.
Summary: Facing the problem of online loan debt, it is important to face up to the reality, actively communicate with borrowers and formulate reasonable and feasible solutions. At the same time, examining personal income and expenditure and seeking professional help are also the key steps to solve the problem.
Extended data:
If the debt problem is serious, you can learn about the relevant provisions of China law on debt and debt recovery, so as to better understand your rights and obligations.