You have 150,000 yuan in credit card and online loan debts, and you have to pay 4,000 yuan in car loans every month, and your salary is 5,000-6,000 yuan. How to repay and how to plan?

1. Develop a budget: Assess your monthly income and expenses, develop a detailed budget plan, ensure that your income covers all necessary expenses, and set aside a portion for debt repayment.

2. Cut expenses: Look for possible ways to save money, such as canceling unnecessary subscriptions, buying discounted items, bringing your own lunch, etc., to free up more money to pay off debt.

3. Prioritize debts: Prioritize repaying high-interest debts, such as credit cards and online loans. Put any extra money above the minimum payment toward paying off these debts to reduce your interest burden.

4. Negotiate with creditors: If you are unable to make full repayments on time, please contact your creditors as early as possible to explain the situation and request a reasonable repayment arrangement.

5. Look for extra income opportunities: Consider part-time jobs, side hustles, or other ways to earn extra income to speed up your loan repayment schedule.

6. Plan long-term goals: In addition to repaying debt, plan future financial goals, such as savings, investments, etc., to achieve financial stability.

Summary: Creating a budget, cutting expenses, prioritizing paying off high-interest debt, negotiating with creditors, pursuing additional income opportunities, and planning long-term goals are effective ways to deal with this situation and gradually get out of debt. It's important to stick to the plan and take positive actions to improve your financial situation. Remember, you need to be cautious when spending, and planning your expenses reasonably is an important step.