If the post-90s generation owes 40,000 yuan, they may face the following situations:

1. Economic difficulties: Due to the relatively large amount of debt, the debtor may face financial pressure. They may not be able to repay their debts on time and be pursued by debt collectors.

2. Credit damage: Being in debt will have a negative impact on a personal credit record, which may cause the debtor to encounter difficulties in obtaining loans, purchasing goods, renting houses, etc. in the future.

3. Legal disputes: Creditors may pursue debts through legal means, such as suing in court or entrusting a collection agency to take action. If the debtor fails to fulfill its repayment obligations, it may face judicial proceedings and related legal disputes.

Summary:

If those born in the 1990s owe 40,000 yuan in debt, they may face problems such as financial difficulties, credit damage, and legal disputes. It is recommended that debtors communicate with creditors in a timely manner, seek reasonable solutions, and work hard to improve their financial situation to avoid further economic difficulties and credit problems.

Extended information:

According to relevant Chinese legal provisions, the debtor is obliged to perform the repayment obligations in the contract. Creditors can recover arrears through lawsuits, collections, etc. If the debtor refuses to fulfill its repayment obligations, the creditor can apply to the court for compulsory execution procedures and may take measures such as freezing bank accounts and seizing property to repay the debt.