1. Sincerely admit the situation: find a suitable opportunity and tell your parents frankly that you owe more than 20,000 yuan in online loans and are unable to repay them at present.

2. Explain the reasons and financial difficulties: Explain the reasons that caused you to get into trouble, such as job changes and increased living expenses. Express your helplessness and worry about the status quo.

3. Show solutions: Show your willingness to seek solutions, such as consulting professional organizations, adjusting living expenses, asking for help, etc. Let your parents know that you are actively dealing with the problem.

4. Seek understanding and support: Ask for their understanding and support, whether emotionally or financially. Emphasize your determination to improve the status quo and promise to do your best to solve the problem.

5. Remind to be cautious in lending: Finally, remind parents that the online loan is overdue. It is recommended to go to Netdome Data to get a big data report on online loans, so as to know their comprehensive credit score, overdue information and sued status. This can help them better understand the risks of borrowing and avoid similar situations from happening again.

In short, it is the key to be honest with parents, show their willingness to improve and try to find solutions. At the same time, reminding them to borrow cautiously is also to help them better understand and prevent similar risks. Remember, communication and support are important steps to deal with this dilemma, so that * * * can deal with it and find a solution.