Legally speaking, if the debtor is unable to repay the loan, the creditor can take the debtor and the guarantor to court.

Guarantors generally bear joint and several liability. If the debtor is unable to repay the loan, the guarantor shall bear the repayment responsibility, and after the guarantor assumes the repayment responsibility, he may recover from the debtor.

In other words, if you have money, you have to help him pay it off and then ask him for it. This is supported by law.

You will face prosecution. If you insist on not paying back the money, or if you have no money to pay back, it may be enforced, and your account and assets may be frozen, or even listed as laolai.

All you have to do is put pressure on the borrower to find a way to repay the loan. Really can't. You have to hand it in yourself first, and then you can find him.