I suggest taking the following measures:

Negotiate repayment with the lending institution: Call the customer service hotline of the lending institution actively and apply to the customer service for negotiation repayment.

Confess debts to family members: If family members have the ability to help repay, they can confess debts to them and seek their help.

Make repayment plan: negotiate with lending institutions to make a reasonable repayment plan and strive to repay the arrears on time.

Seek professional help: you can consult a lawyer or financial consulting institution to find a feasible solution.

Planning financial situation: after the deadline, it is necessary to strictly manage personal finances and reduce daily expenses.