1, apply to the bank. Take the initiative to find the bank to provide relevant certification materials to prove that you are willing to repay, but for some reasons, you really don't have the ability to repay at present. Poverty certificate, hospitalization certificate and unemployment certificate can all be used to help prove.

2. Seek help from a third party. If the bank or other platforms still refuse to negotiate repayment, or the bank refuses to give a substantive solution, the user can complain to the local banking regulatory bureau or call the bancassurance regulatory agency for help, provided that the active negotiation attitude is sincere, informative, true and effective.