1. Know your debts: First of all, you need to know your debts in detail, including the interest rate, term and minimum repayment amount of each debt.
2. Make a budget: Make a detailed budget and list your income and expenses. Cut unnecessary expenses and ensure that enough money is set aside from monthly income to pay off debts.
3. Debt priority: according to the interest rate and maturity of the debt, determine which debts to repay first. Giving priority to paying off high-interest debts can reduce the interest burden in the future.
4. Repayment plan: Make a repayment plan to ensure that the minimum repayment amount is paid on time and as much as possible. Consider increasing income through temporary work or part-time work to speed up the repayment process.
5. Ask for help: If you have difficulty in repaying debts, please seek professional financial advice. They can assess your situation and provide appropriate solutions, such as debt restructuring or negotiated relief.
Summary:
Paying off 6.5438+0.7 million online loans and credit card debts is an arduous task. It is necessary to formulate a detailed budget, give priority to paying off high-interest debts, and seek professional financial advice. Adhere to the repayment plan, increase income and speed up the repayment progress. Remember, it takes time and perseverance, but persistence can achieve the goal.
Extended information related to the problem:
-Avoid getting into debt again: learn financial management skills, cultivate savings habits, and use credit cards carefully.
-Education upgrade: consider upgrading your skills and knowledge, so as to raise your salary level and pay off your debts more easily.
-Learn from others' experience: Learn how others successfully pay off their debts and get relevant information through books, forums or social media.