1. Reduce entertainment and the time spent holding the mobile phone. For the extra two or three hours every day, you should either study the industry knowledge hard or do some part-time jobs to improve your ability to make money;

2. Never repay the loan with a loan. This is a road that is beyond redemption. It is really impossible. Ask for help from relatives and friends first, but you must repay the loan, even if it is borrowed from your parents.

If time permits, you can run Didi after work, or do some other part-time jobs. Sending takeout and express delivery can increase your income and shorten the time for paying off debts.