What you heard about "borrowing money from a loophole in the loan treasure" should be false news. The money lent by online loans is not unpaid, even if the platform closes down. General loan treasure is overdue 1 day, and a high penalty interest is charged. If it is not returned for a long time, it will be reported to the credit bureau. Therefore, if you borrow money from the loan treasure, you will still encounter serious consequences, or pay off the debt in time!
In addition, it is true that someone broke the news that "the loan treasure owes 5w and no one urges it", but no one urges it does not mean that you can not repay the money you borrowed. Maybe there are many collections on the platform, and it's not your turn yet.