You can solve the problem of 500,000 yuan owed by online loans through the following steps:

1. Make a repayment plan: evaluate your financial situation, including income, expenses and assets. Make a detailed repayment plan to ensure that the repayment can be made on time every month and avoid overdue.

2. Communication with the borrower: Keep good communication with the borrower, explain your financial difficulties and put forward reasonable repayment arrangements. Strive for the understanding and support of the other party and reduce the pressure of repayment.

3. Streamline living expenses: find and reduce unnecessary expenses, such as canceling high consumption and cutting entertainment expenses. Plan the budget reasonably and use the saved funds to repay debts.

4. Seek help: If you can't solve the problem yourself, you can seek the help of a professional organization or lawyer. They can provide more solutions and suggestions and negotiate with borrowers on your behalf.

5. Borrowing the new and returning the old: If conditions permit, you can consider applying for low-interest loans from other channels to repay the arrears of high-interest online loans. However, in this process, we need to carefully consider our repayment ability and risks.

Summary:

To solve the problem of loan arrears, we need to make a repayment plan, communicate with borrowers, streamline expenses, seek help, borrow new loans and repay old ones when necessary, and gradually get rid of the debt dilemma. Paying attention to financial planning and rational consumption will help prevent similar problems from happening again.

Extended data:

-Relevant policies of the People's Bank of China: Understand relevant loan contracts and financial stability policies, and better manage personal finances and debts.

-Credit repair: pay attention to personal credit status, deal with overdue records in time, and improve credit score, so as to obtain loans and credit services more easily in the future.