Legal analysis: you can reduce or exempt the overdue period, but the reduction or exemption must be paid off in one lump sum. The strength of the reduction or exemption depends on your repayment attitude.

Legal basis: Article 16 of the Law of People's Republic of China (PRC) on the Protection of Consumers' Rights and Interests, when providing commodities or services to consumers, business operators shall perform their obligations in accordance with this Law and other relevant laws and regulations.

If there is an agreement between the operator and the consumer, they shall perform their obligations in accordance with the agreement, but the agreement between the two parties shall not violate the provisions of laws and regulations.

When providing commodities or services to consumers, business operators shall abide by social morality, be honest and trustworthy, and protect the legitimate rights and interests of consumers; Unfair and unreasonable trading conditions shall not be set, and trading shall not be forced.