The debtor creates a public account to advise those who have not been "launched" not to make online loans and persuade those who have not "launched" to repay their loans rationally

　　He pressed the "borrow button" for the first rent

　　What do you need to do after debts?

　　Nanke, who created and operated the "Our Way to Shore" public account, is a member of the debtor group. He reined in debt when he was in debt of 430,000 and started his own "road to shore."

　　Borrow

　　The first loan was more than 8,000 yuan

　　In 2015, Nan Ke, who had just graduated, came to Shanghai. At that time, his job was still unstable, so he borrowed more than 8,000 yuan from Alipay and paid the rent.

　　At that time, Nanke thought that after his job was stable, he would be able to repay the money soon. Although he was worried, he still pressed the loan button.

After that, Nanke began to receive calls or messages from various lending platforms, asking him if he needed a loan.

He uses the ordering app to order food, and loan advertisements will pop up; he uses his mobile phone to get a taxi, and the loan link will pop up after checkout; he can also find loan advertisements when he walks on the road, in subway stations, or in elevators.

He began to choose to use online loans to solve the problems encountered in life.

　　But then it was overdue, and Nanke began to receive collection calls.

He began to choose to demolish the east wall to fill the west wall, looking for a new platform to borrow money to fill the hole in the previous platform.

Nanke felt more and more pressure.

What wakes him up every morning is not the alarm, but the collection of text messages and calls, threatening to tell his family and friends in his address book, his work unit, and even going to the court to sue him.

　　"Self-help"

　　Plan to pay off debts in 6.6 years

　　"I am 28 years old this year. Even if I pay 5,000 per month, I only need 80 months, which is 6.6 years to pay off. Be optimistic, and life can start all over again." One day in February 2020, Nanke decided to write one. Writing about his own online loan experience, he combed through the loans on various platforms and discovered that he had borrowed more than 430,000 yuan without knowing it.

　　When he saw this number, Nan Ke was surprised.

Subsequently, he began to choose to "go ashore"-to forcibly stop his borrowing.

　　He believes that the dumbest but also the most effective way to "go ashore" is to save money, and then repay the debt on a platform by platform.

　　"If I pay the salary, I will repay the loans of various platforms. In fact, all the repayments are interest. This way, my loan period will become longer and longer, and the debt will become higher and higher with the increase of interest." Nan Ke said, only Only by paying back one platform with interest, and then paying the other one, can the package be unlocked.

　　Today, Nanke's debt has been reduced to more than 380,000 yuan, which is less than 50,000 yuan.

This was slower than he initially expected.

"The main reason is that my income is not stable, and my expenses are also very high. A few days ago, I just saved a'big money'-2,000 yuan, but I spent another 1,500 yuan on seeing the teeth."

　　persuade

　　Don't "go ashore" easily, but "go ashore" rationally

　　In order to pay off his debts, Nanke sold some of his belongings and replaced them with cheap youth hostels.

Every day, he posted his thoughts on paying off debts to Zhihushang, called "Diary of Landing."

As a result, he knew more and more "debt owers", so he established a WeChat group to keep everyone warm.

During the Spring Festival last year, a debt-bearing mother developed a world-weary idea. The group of friends were worried about her accident, so they asked her contact information and persuaded her together. They gave her a lot of encouragement. Do odd jobs in supermarkets, trying to pay off debts while making money.

　　Later, when more and more groups were built, Nanke was unable to reply one by one, so he created the public account "Our Way to Land", advising people who have not "launched" not to make online loans lightly, and people who did not "go ashore" should ask for it. Repay the loan wisely.

　　Nanke said that he wrote an article on the official account to advise everyone that if the debt is already high, stop borrowing, find a job first, and slowly make money to pay off the debt. Don't rush for success, and be tricked into getting debts higher and higher.

Even for those who want to make money and pay off their debts by relying on their work, Nanke advises them not to rush.

There are many similar people around Nan Ke, who find part-time jobs in order to repay the money. Some use their little savings to invest in opening a shop, and instead lose money.

　　During the period of operating the official account, Nanke received many advertisement invitations from online loan platforms at the backstage of the official account. He ignored them all. He understood the routine here: dark Internet loans lured debtors to mortgage their houses and cars, and let them Then borrow usury to repay existing debts, or be deceived to engage in telecommunications fraud.

What's more, they will be targeted by pyramid schemes and fraud organizations, guiding them to invest or defraud money in the name of asset restructuring that can offset debt.

　　Reflection

　　"I want to satisfy my desires, but I emptied myself"

　　Many people start borrowing from 10,000 to 20,000. After their debts are overdue, they are unwilling to tell their parents that they have chosen the method of demolishing the east wall to make up for the west wall. As a result, the debt is getting higher and higher.

A considerable part of the debtors of online loans are caused by irrational excessive consumption.

"I wanted to satisfy my desires in advance, but I emptied myself," Nan Ke said.

After communicating with hundreds of indebted netizens, Nan Ke also began to reflect on the problems of debtors themselves.

Nanke discovered that many young people have no plans for their lives and wealth.

Many debtors do not understand the tricks of lending platforms, nor do they understand the legal knowledge involved in debt disputes.

"Today's society is developing so fast, we should continue to enrich ourselves, whether it is financial management, law or personal cultivation."

　　Nanke noted that in the past two years, as the country has continued to crack down on and rectify online financial platforms, although dark online loan platforms have gradually disappeared, borrowing on formal platforms has become easier and more people are investing in financial management. Many, this has also become a new group of debtors.

Fortunately, more and more people are beginning to realize that they should consume rationally and make their lives simpler. Nanke believes this is a sign of getting better.

　　Text/Reporter Zhang Ziyuan Liu Meng, intern