1. Consult professional legal advice: consult a financial consultant or a debt resolution expert to understand the legal risks you face and the feasible solutions.

2. Negotiate loan platforms: contact various loan platforms, explain their own difficulties, and seek the possibility of rescheduling repayment plans. Try to reach an agreement on the overdue part to reduce interest or extend the repayment period.

3. Master your own financial situation: carefully evaluate your own assets and liabilities to ensure a reasonable repayment plan. Consider cutting expenses, increasing income or finding other sources of loans to repay debts.

4. Avoid new loans: Avoid borrowing money from other lending platforms to repay existing debts, which will only make the problem more complicated.

5. Improve financial literacy: Understand personal financial management, including budget management and debt planning. This can help you manage your finances better and avoid similar situations from happening again.

Summary:

In the face of overdue online loans, you should act as soon as possible, negotiate with the lending platform and make a feasible repayment plan. In addition, consulting professionals' advice and enhancing their financial literacy are the key to solving the problem. Remember to avoid new debts to avoid further deterioration of the situation.