1. Stop using loans to support loans: If you want to go ashore as soon as possible, you must first stop applying for loans, let alone use loans to support loans. If you are not careful, it will cause a complete collapse. situation.

2. Organize online loan products: Check your overdue records through the data platform in the mini program, such as Xiaotian Quick Check, sort out all your online loan arrears, and figure out what you owe. After sorting out the money from which platforms, the repayment date of each platform, the repayment interest, etc., formulate a repayment plan based on your income and other aspects.

3. Negotiate a solution: contact your loan platform, apply for partial interest fee reduction and exemption, and apply for deferred repayment and installment repayment when the repayment pressure is high, so as to reduce your monthly repayment. payment pressure.

4. Confess with your family members: The three main tools for debt collection are "bombarding, bombing address books, and sending photos in groups." You can act first and confess your debt situation to your family members in advance. Then ask your family to help you dispose of some of the loans with higher interest rates first, and then work hard to make money later to return the family's funds.

5. Work hard to make money: According to the Supreme People’s Court’s regulations on interest rates for private lending and P2P online lending industries, the annual interest rate for loans protected by law is within the range of 24%, and must be paid during the repayment period. Work hard to make money, and if circumstances permit, you can also work part-time to increase your overall income.

Extended information:

How can I go ashore and return to normal life if I have too much debt?

If a customer has borrowed a lot of loans, resulting in a long-term loan situation or excessive personal debt, and wants to "go ashore" and return to normal life, he must naturally find a way to pay off the debt first and pay off the loan in full. After that, cancel all online loan accounts, and be careful not to take out frequent loans. In addition, you can also change the mobile phone numbers left on each platform.

The best order to deal with debts is credit cards, bank loans, loans from licensed consumer financial institutions, online loans, and private loans. This is because credit card and loan-related borrowing and repayment records handled by banks and licensed consumer financial institutions will be reported to the credit report; online loans are mainly recorded in big data and have little impact on personal credit reports; for private loans, it is better to negotiate repayment plan.

If customers are unable to repay the loan at the moment, they can also proactively contact banks, lending institutions/platforms for negotiation. For credit cards, they can try to apply for an interest suspension and for loans, they can try to apply for extending the repayment period and repaying in installments.

Of course, everyone needs to pay attention. If some small loans are irregular and the interest charged may be too high, customers can check whether it exceeds the regulations of the Supreme People's Court. They can choose not to repay the excess. For platforms that maliciously charge fees, evidence can also be collected and reported.