I have a friend who owes hundreds of thousands in the bank, and he really can't pay it back. He took the initiative to call and negotiate, telling the bank about his current situation and telling the bank that although he can't afford the money now, he will pay it back slowly. The bank doesn't have to worry about him not paying back the money. In this way, the bank may be willing to postpone repayment, so it is also a very good way to deal with it, and it also expresses an attitude of apologizing to the bank. You can borrow money from your friends.
Just like my friend, after consulting with the bank, the bank told him that he could borrow money from his friends first, so he borrowed money from all our friends. Some people are more face-saving than looking for others. In this case, they don't pay back the money they owe the bank. In fact, this is very bad, it will affect their car ride and their children's future schooling, so if possible, you can borrow money from friends first and try to earn the money back. You can pay back your friends when you have money. Be sure to find a way to pay back the money.
For the average person, 300 thousand is not too much. Even though it may take many years, I still have to pay it back, and I can't run away. As mentioned above, you can find ways to make money after consulting the bank. Some jobs pay higher wages, but they are bitter. You can also try various ways to make money. If you don't make it in five years, you can still make money in 10. Anyway.
To sum up, in our present society, a person's credit is very important. If friends lose trust, friends won't want to play with themselves. If banks lose trust, on the one hand, banks will not lend to themselves, on the other hand, they will also affect their later work and study, and the harm may be very great. So you can call the bank to negotiate, show your attitude, ask for help, or find friends.