Make a repayment plan, improve your extravagance and waste, and learn to control your habit of spending money indiscriminately. Down-to-earth work, stable sources of income and savings are all accumulated bit by bit.
The money you owe will eventually be paid back by your parents, and the most painful thing for parents is that white-haired people send black-haired people, and when they are old, they lie in bed and look at your photos and cry.