1. Analysis: Carefully evaluate your loan situation, including loan amount, repayment period, interest rate, etc. Understand the impact of overdue on you and the possible consequences.

2. Contact the lending platform or institution: contact the lending platform or institution as soon as possible to explain your predicament and seek solutions. They can provide extension, repayment arrangement or other assistance measures.

3. Make a reasonable repayment plan: Make a reasonable and feasible repayment plan according to your own economic situation. Consider adjusting expenses, cut unnecessary expenses, and strive to repay the arrears as much as possible.

4. Ask for help: If you can't handle the problem alone, you can consult a professional financial adviser or consulting agency for their advice and guidance.

5. Prudent lending: From now on, carefully choose lending institutions and products. Be sure to understand the relevant contract terms and interest rates, carefully calculate the amount to be repaid, and avoid falling into similar difficulties again.

Summary: In the face of the overall overdue of online loans, the most important thing is to actively contact lending institutions and formulate a reasonable repayment plan. Seeking professional help and careful lending are also key.

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If the overdue problem is not solved, it may lead to damage to credit records and affect future loans and loan applications. In addition, China's laws stipulate that the loan interest shall not exceed the annual interest rate of 36%, and the online lending platform must obtain the relevant financial license to operate. In violation of the provisions, you can complain to the local financial regulatory agencies.