But there is absolutely no need to go so far.

You can sign a repayment agreement with the bank to show a good repayment attitude.

Promise the bank how much you will come in every month or 1 quarter, and stop repayment, otherwise you don't know.

This method needs to apply to the bank and show proof that you are really unable to repay.

Because as long as it can be repaid, no matter how long, it is better than the bank directly making bad debts.

Of course, your credit will definitely be scrapped. So just consult with the bank and make a repayment plan according to your actual situation.

I will never go to prison.