1. Learn to heal yourself. I can't sleep because I owe credit cards and online loans, which shows that I am a very responsible person. It is very valuable for everyone to learn to heal themselves in the most difficult or dangerous time, whether facing health or finance.

2. Collect self-help plans. For online loans, the self-help plan is to stop loss first. If you struggle hard for three months, it will still be overdue. You might as well stop loss in advance, negotiate with the online loan company, pay part of the principal first every month, or give relief for a longer period of time. In order to last for three more months, you ended up haggard and exhausted, and the interest did not decrease, but it was still overdue.

3. Use your car to keep handsome. If health is regarded as 1, then all other liabilities or wealth are . Without health, you don't deserve a good life. Owning credit cards and online loans is just money. Don't tire yourself out because of this money thing. This is the most unworthy exchange of value.