I can only pay back the money. If you pay back the money, you will naturally not call the address book. You can also discuss it with them and pay it back slowly. If you owe money, you must find a way to pay it back. Don't always try to escape. You can work on your own to earn money and pay off debts. Don't use loans to support loans, or you will get deeper and deeper. If there is really no money to pay back, I have the following suggestions:

1. It is good to apply for an extension, but the initiative is not enough and it will not be too difficult. At least this attitude is correct.

2. Find a friend to borrow, pay the online loan first, and then pay them back. There is no overdue fee. Much better.

3. Improve your skills of making money. Only when your money-making skills are improved can you pay off your debts bit by bit.

Last but not least. We must develop good financial habits. The root cause of so much debt is that you have not developed good financial habits. As long as you have good financial habits, I'm afraid you won't be in debt no matter how little you earn.