1. Analyze the debt situation: carefully evaluate your income, expenditure and total debt. Understand the specific details of debt, including interest rate, term, overdue fee, etc.

2. Communication and negotiation: Contact the online loan company as soon as possible, explain your predicament, and try to negotiate and formulate a feasible repayment plan. Some online lending companies may agree to extend the repayment period or lower interest rates.

3. Help from relatives and friends: Seek financial assistance from relatives and friends to help repay part or all of the debts. Make sure to establish a clear repayment arrangement with them to avoid damaging the relationship.

4. Increase income: consider increasing working hours, finding a part-time job or starting a sideline to increase income. In this way, additional funds can be obtained for debt repayment.

5. Cut expenses: Review and cut unnecessary expenses, such as entertainment, shopping and catering expenses. Make a detailed budget and concentrate the funds on paying off debts.

6. Seek professional help: consult a credit consulting agency or a professional financial advisor to get more advice and guidance on debt management.

Summary: Facing the problem of loan default, the key is to take positive actions and communicate with creditors. Rationally analyze the debt situation, find solutions, at the same time strive to increase income, cut expenses, and consider seeking professional advice and help to gradually pay off debts. Please note that the above suggestions are for reference only and need to be decided according to personal circumstances.