There is no way. His current problem is how to repay 130,000 yuan, not the interest issue. It is because he is unable to raise 130,000 yuan in a short period of time to repay the principal.

1. If you owe 130,000 to a card issuing bank, it is relatively easy to handle. You can proactively contact the card-issuing bank to apply for interest exemption and provide guarantee or pledge. Confirm a repayment agreement with the bank and repay the principal and interest within the deadline.

2. If you owe money to multiple banks, and the amount is not very large, it will be relatively difficult to negotiate repayment, and you need to contact each bank. Moreover, the concessions made by various banks will not be too large.

3. If the amount of debt owed by each bank is not large, there is also some advantage. The bank will not apply for enforcement, execution or prosecution for this small amount of money.