1. Clearing debts: Know your debts and make repayment plans. Record all loan details, including principal, interest and overdue fees.
2. Cut expenses: review personal budget and cut unnecessary expenses so that more funds can be used to repay debts. Spending on entertainment, catering and shopping can be reduced.
3. Find additional income: Try to increase sources of income, such as part-time, sideline or selling idle items. This will increase the funds available for debt repayment.
4. Negotiation with creditors: get in touch with creditors as soon as possible, explain their plight, and seek negotiation methods such as delaying payment, lowering interest rate or installment payment. It is important to keep good communication with creditors.
5. Seek professional help: If you can't solve it yourself, you can seek the help of professional institutions or credit consultants. They can provide specific suggestions and solutions for specific situations.
Summary:
After falling into the dilemma of online lending, the key to self-help lies in sorting out debts, cutting expenses, increasing income, consulting with creditors and seeking professional help when necessary. These measures will help to gradually get rid of the dilemma of online loans and achieve landing.
Extended data:
1. In China, the online loan industry is strictly managed and restricted by the regulatory authorities. Lenders should legally choose the lending platform and pay attention to protecting the safety of personal information.
2. Try to avoid high-interest online loan products and avoid falling into high-risk lending.
3. Check the personal credit report regularly to ensure accurate information and find potential problems in time.
4. Strengthen personal financial management ability, pay attention to budget planning and debt management, and avoid excessive dependence on borrowing.