1. Negotiate repayment: whether it is an individual creditor or a lending institution, don't evade the repayment problem yet, and the money owed will always be paid back. Express your good willingness to repay, then explain your current situation, negotiate deferred repayment or installment repayment to reduce your repayment pressure. Generally speaking, if you don't return it, you will agree to stage it. After all, blindly forcing can't solve the problem well.

2. Ask relatives and friends for help: I already owe too much. At this time, I can tell my family the truth. Seek the help of relatives and friends to help you tide over this temporary difficulty and promise to pay back the debt slowly in the future. If necessary, you can also write an iou.

3. Selling real estate: If there is a real estate or vehicle under your name, you can sell the money first and repay it. These things can be bought later and discussed first. This method can solve the urgent need, but it is also a last resort.

4, open source and reduce expenditure: I want a job, so that I can continue to have funds in my account, so that I can slowly please the predicament. At the same time, we should reduce the usual living expenses. Don't spend it until it's finished. Do a good job of saving money and pay off the arrears first.