1. Facing the debt problem, I suggest you take a proactive attitude and don't escape or indulge in stress.

2. Understand your debt situation deeply, including interest rate and repayment period, and make a detailed repayment plan.

3. actively communicate with credit card companies and online loan companies, and try to negotiate installment plans or extend the repayment period.

4. for professional help, you can consult a credit card financial institution or a legal consulting institution, who can provide you with more specific suggestions.

5. Explore ways to increase income, such as looking for part-time jobs, entrepreneurial opportunities or upgrading their skills, so as to alleviate economic pressure.

6. Carefully manage personal finance, cut unnecessary expenses, and reasonably arrange the budget to ensure timely repayment of debts.

7. Adjust your mentality, maintain a positive mental state, and believe that you can overcome difficulties and start over.

conclusion: in the face of entrepreneurial failure and debt problems, it is important to actively respond and take action. Communicating with relevant institutions, making repayment plans and seeking professional help are effective ways to solve the dilemma. At the same time, reasonable management of personal finance and increasing income also help to relieve stress. Keep an optimistic attitude and believe that you can stand up again.

supplementary information: the following are some common guiding principles for dealing with debt and financial management for your reference:

- face the debt problem as soon as possible and don't delay repayment.

- make a detailed budget plan and follow reasonable expenditure restrictions.

- seek professional financial advice or legal advice for more options.

- communicate with creditors and try to negotiate flexible repayment methods.

- choose any new loan or credit card carefully.

- find additional sources of income, such as part-time jobs or sideline businesses.

- learn personal financial management skills and improve financial knowledge and skills.

- Make necessary sacrifices and adjustments to give priority to repaying high-interest debts.

- Seek psychological support and positive social network to relieve stress.

please remember that these suggestions are for reference only, and the details may vary from person to person. If you need more specific advice and support, it is recommended to consult a professional or financial institution.