1. Prepare in advance: Before facing your parents, make sure that you have a comprehensive understanding of online loans and an adequate repayment plan.

2. Choose the right time and place: choose a time when parents are happy and have no other troubles, and choose a quiet and comfortable environment so that they can concentrate on communication.

3. Confession and direct expression: Sincerely confess to them and explain the reason and purpose of the loan. Admit your mistakes and show willingness to take responsibility and try to solve problems.

4. Predict possible reactions: According to your understanding of your parents, try to predict their reactions and be ready to answer their questions and concerns.

5. Show the solution: introduce the repayment plan in detail and propose specific solutions, such as increasing income or cutting expenses, to prove that you have the ability to properly handle this problem.

6. Accept parents' opinions: respect parents' opinions and suggestions, listen to their opinions, express your determination and action plan, and avoid making the same mistakes again.

Summary: Before you confess to your parents, you should make full preparations, explain the situation to your parents sincerely and frankly, and propose solutions. Respect their opinions, actively adopt suggestions, and show their determination and action plan. This can increase the possibility of parents' understanding and support.

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According to the law of our country, minors need their parents' consent to get loans, so it is very important to communicate frankly with their parents. Maintaining good communication and trust in the family is an important way to prevent similar problems.