Here are some suggestions and steps:
1. Understand the loan terms: read your online loan contract and related documents carefully, and understand the loan repayment method, overdue penalty interest, liability for breach of contract and other terms. Determine whether there are provisions for debt consolidation or installment repayment.
2. Contact the bank: To find the contact information of the employer's bank, you can consult through the bank's customer service hotline, official website or go to a bank branch. Explain your situation to the bank, including a number of overdue online loans, and express your willingness to merge debts and repay them in installments.
3. Provide detailed information: when communicating with the bank, prepare relevant loan information, such as loan amount, overdue situation, repayment ability, etc. The bank may ask you to provide some supporting documents, such as proof of income and proof of financial status.
4. Negotiation: Negotiate with bank representatives to discuss a feasible debt consolidation plan. You can put forward your own repayment plan and ability, and strive for the arrangement of installment repayment. The bank may consider your situation and decide whether to agree to your request according to its policies and procedures.
5. Make a repayment plan: If the bank agrees to repay by installments, work with them to make a specific repayment plan. Make sure to clearly understand the monthly repayment amount, repayment period and other related details.
6. Abide by the agreement: Once the debt consolidation installment repayment agreement is reached, the repayment plan must be strictly observed. Repay in full and on time to avoid overdue again, so as to maintain a good credit record.
7. Seek professional help: If you are confused about debt management or can't reach an agreement with the bank, you can consider consulting a professional financial advisor or debt management agency. They can provide more specific advice and help, and make appropriate repayment strategies according to your situation.
It should be noted that debt consolidation and installment repayment may not be applicable to everyone, and banks also have the right to decide whether to accept your request according to their internal policies. In addition, overdue repayment may have a negative impact on your credit record, so it is very important to solve the debt problem in time. In the process of communication and consultation with banks, we should maintain an honest and cooperative attitude in order to strive for the best solution.