1. Consider the debt scale and repayment ability: first, evaluate your total debt and monthly repayment ability. Knowing this information can help you communicate better with your family and provide more specific plans.
2. Choose the right time and place: Choose the right time and comfortable environment to avoid talking about it when you are nervous or busy. Make sure that your family has enough time and mental preparation to accept this news.
3. Honesty: Tell your family frankly about your financial difficulties, explain why you owe money, and don't hide any facts. I regret this and emphasize that I am aware of my mistakes and intend to take active measures to solve the problem.
4. Provide a detailed action plan: Show your family that you have considered the response plan. Explain that you are budgeting, cutting expenses and looking for additional sources of income. It is clear that it will go all out to pay its debts and put forward a feasible repayment plan.
5. Accept your family's reaction: Respect your family's feelings and understand that they may be disappointed, worried or angry. Listen to their opinions and suggestions patiently, showing that you have realized the seriousness of the problem and use it as a driving force for change.
Summary: Being honest with your family is the first step to solve the problem of online loan arrears, but it doesn't necessarily mean that the problem will be solved immediately. Open communication and mutual support with family members are very important. Ensure that commitments are turned into actions, consider seeking professional financial advice and make a more comprehensive repayment plan.