If all online loans and credit cards are overdue and unable to repay, the following measures can be taken to solve the problem:

1. Communicate with creditors: The first step is to actively communicate with creditors. Explain your dilemma and try to reach an agreement, such as extending the repayment period, reducing interest, or developing a reasonable repayment plan.

2. Debt restructuring: Discuss with creditors the possibility of debt restructuring. This may include consolidating all debts into one loan and creating a more feasible repayment plan.

3. Seek professional help: Consult a professional financial advisory agency or lawyer to help you deal with your debt problem. They can provide professional advice and negotiation skills to help you find the best solution.

4. Carefully consider debt settlement methods: If the problem cannot be solved through the above methods, you can consider applying for bankruptcy liquidation or personal bankruptcy. This is an extreme choice that can have a lasting impact on a person's credit history, so it needs careful consideration.

Summary:

Faced with all overdue online loan and credit card debts that cannot be repaid, it is important to maintain a positive attitude and actively communicate with creditors. At the same time, seeking professional help and carefully considering debt settlement options are also important steps in solving the problem. Remember, taking prompt action can avoid further financial distress.