1. Make a repayment plan: evaluate the current economic situation and make a detailed repayment plan. Distribute the proceeds to various debts, giving priority to loans with higher interest rates.

2. Negotiate with creditors: contact creditors, explain their difficulties and seek possible repayment arrangements. Some creditors may be willing to extend the repayment period or adjust the interest rate to lighten your burden.

3. Seek professional help: seek professional advice from financial institutions, lawyers or debt consultants. They can help you assess the current situation and provide solutions.

4. Cut expenses: Review your personal budget and find expenses that can be cut, so as to release more funds for repayment.

5. Avoid new debts: suspend credit card consumption to avoid further debt increase.

6. Check legal protection: Find out whether local laws provide debtor protection measures, such as personal bankruptcy and other options. Although this is an extreme situation, it can be used as a last resort.

Summary:

Faced with a large number of credit cards and online loans, the key is to take the initiative to deal with the debt problem. By making repayment plans, consulting with creditors, seeking professional help and cutting expenses, we can gradually solve the debt problem and restore financial stability. It is important to take action to avoid further increasing the debt burden.