1. Negotiate with the bank to make a repayment plan: you can explain your financial situation to the bank and ask for a repayment plan that suits you to reduce the burden.

2. Seek the help of a credit consultant: A credit consultant can help assess the financial situation and provide some repayment plans and suggestions.

3. Seek help from other lending institutions: consider applying for loans from other banks or lending institutions to repay bank debts. Loan refers to the act that a person or institution borrows money from another person or institution in order to repay the principal and pay interest in accordance with the agreed conditions within the agreed time. Loan is a common financing method, which is widely used in individuals, families, enterprises and governments.