Generally speaking, the repayment plan is formulated according to the compliance and urgency. As a friend, this depends on the friend's previous loan agreement and the friend's economic situation after the expiration. However, as a debtor, we should communicate and negotiate with the lender frankly and actively. For private loans with usury, if the interest is illegal, we can let the other party go through legal proceedings, If there is an illegal debt collection behavior, you can call the police. In addition, as a financial institution's arrears, it needs to negotiate with the platform institution according to the compliance and current income level. In addition, if there is evidence of violation, it can even let the other party make a partial compensation or repayment reduction scheme. To sum up, first pay back the compliance money, such as credit cards and credit loans. For illegal platforms, all you need to do is collect evidence of violations