1. Legal aid: In China, individuals can seek legal aid when facing legal problems. If you can't afford the lawyer's fee, you can apply to the local legal aid agency for assistance, and they will provide you with free or cheap legal services.
2. Debt consulting agency: After three years of repayment through online loan negotiation, if you still face difficulties, you can consult a debt consulting agency. They will provide professional advice and guidance to help you find a solution to the problem.
3. Consumer protection organization: If you think your rights and interests have been infringed, you can contact the consumer protection organization. They have experienced legal personnel who can provide support and legal aid.
Summary:
In China, there are still many ways to find legal aid in the face of the three-year repayment of online loans. You can seek legal aid, consult a debt consulting agency or contact a consumer protection organization for help. These institutions and organizations will provide you with legal support and advice on solving problems.
(Note: The above answers are based on the laws and resources of China, providing a general way, but the specific situation still needs to be determined according to the individual's specific situation and local laws. )