1. Communicate with your family: Although you may feel scared, being honest with your family is an important first step. They will understand you, support you and work together to find a solution.

2. Seek professional help: In the face of financial problems, it is wise to seek professional advice. Consult the bank or credit institution for repayment plan and debt restructuring plan.

3. Make a repayment plan: Make a reasonable repayment plan according to your own economic situation. You can consider cutting expenses, finding a part-time job or applying for a scholarship to increase your income, so that you can gradually repay the arrears.

4. Educate yourself: understand relevant laws and regulations to ensure that your rights and interests are protected. At the same time, learn how to manage personal finances to avoid falling into similar difficulties again in the future.

5. Seek other resources: Explore whether there are other loan assistance programs or charities that can help. Sometimes, communities or schools also provide emergency assistance projects.

Summary: In the face of financial problems, it is important to face them bravely and seek suitable solutions. Communicate with family members, seek professional advice, make repayment plans, and constantly strive to improve their financial situation. Remember, there are many resources and support to help you tide over the difficulties.