No, try to repay the loan on time. If your ability is limited, it is better to control your consumption.

1. If the loan cannot be repaid, the user can apply for repayment from the lending institution through negotiation.

2. If the negotiation is successful, the repayment can be carried out according to the negotiated content.

3. If negotiation fails, repayment needs to be made according to the original repayment plan.

4. In order to avoid the impact of overdue records on personal credit reports, users can repay the loans that are subject to credit reports first, and then repay those that cannot be repaid.

5. Or users can directly borrow money from relatives and friends around them to pay off all outstanding debts in advance, and then return the money to relatives and friends later, which can also help users pay off their loans.