1. Negotiate repayment with lending institutions: It is very difficult to pay off the debt of 400,000 yuan at one time. At this time, you can negotiate with the lending institution and choose to repay by installments or postpone repayment, which can reduce the repayment pressure.

2. Change your consumption habits: If borrowing money is mainly used for consumption, you should change your consumption habits. Only buy what you need most and save some unnecessary expenses, so you can save a lot of money to pay off your debts.

3. Discount on the sale of real estate: if there are real estate and vehicles under the name, you can sell them at a discount. This is a method that will only be used in special periods, and it should be carefully considered when using this method.

4. Repay first and then collect credit information: If you don't know your own credit information big data, you can get your own credit information report from the public like Gu data, and know your credit information status in time. All kinds of loans owe 400,000 yuan and need to be repaid in a planned way. In these loans, you have to repay the loan with credit information first, and then repay the loan with reasonable interest. If it is a loan with unreasonable interest, you only need to return the interest within the legal scope.