The inability to repay such a large debt is a serious situation that requires the following actions:

1. Assess your financial situation: Understand your personal financial situation in detail, including income, expenses, and net worth etc. This will help determine how much is available to pay off the debt.

2. Develop a budget plan: Develop a detailed budget plan to ensure a balance between income and expenses. Cut unnecessary expenses and optimize your lifestyle to save more money for debt repayment.

3. Negotiate with creditors: Communicate actively with credit card companies, online lending institutions and private creditors, explain financial difficulties, and try to reach agreements such as debt restructuring or deferred payments.

4. Seek professional help: Consult a professional credit counselor or attorney who can provide specific advice tailored to your individual situation and assist with debt-related matters.

5. Explore debt consolidation options: Consider managing all your debts together through loan consolidation, and look for low-interest loans to ease repayment stress.

6. Increase your income streams: Find additional job opportunities or start a side hustle that leverages your existing skills to increase your income and speed up your debt repayment schedule.

Summary: When faced with a large debt that is difficult to repay, the key is to develop a clear financial plan, negotiate with creditors, and seek professional help. At the same time, through spending savings, debt consolidation, and increasing sources of income, you can gradually improve your financial situation and move toward the goal of getting out of debt.

Extended information: Depending on individual circumstances, other options may also need to be considered, such as bankruptcy filings, legal aid, or debt settlement services. Please consult your local authorities for more detailed advice.