What to do if a college student owes more than 10,000, what to do if a college student owes 20,000 a

College students owe more than 10,000 yuan, first of all, they must understand for themselves, how shallow this more than 10,000 is, if it is online loans and online gambling, it is a wrong behavior. Secondly, if you can't solve this loan problem by yourself, you must seek help from your parents.

It doesn't matter if you're a college student or something, you owe money and you have to pay it back. If you don't have the ability for the time being, you can ask your parents to pay it back for yourself, otherwise you will owe more and more, which is not good for you.

If you don't have the ability to go to school, you can apply for a national student loan, don't compare with the university, eat well, study well is what you should do, don't spend in advance.

Make money seriously, live seriously, it doesn't matter if you owe money, and most importantly, don't lose your life.

Then find a way to make money, of course, through normal means.

College students owe more than 10,000 yuan, so they should pay it back quickly, and try not to owe money in the future.

College students owe more than 10,000 yuan, which can only be blamed on your own consumption self-control ability is not very good, you need to get rid of this bad habit in the future and rely on your own ability to pay it back.

It is advisable to tell parents.

Since there is no ability to repay, it is recommended to tell your parents, admit your mistakes to your parents, and repay the arrears through your parents, so as not to delay for a long time and go to the point of repaying the loan by borrowing, and then you may have more than 20,000 yuan.

Telling your parents can be difficult and you may be scolded, but telling your parents is the best course of action. I'm really sorry, you can talk to your parents about paying back this debt after graduating from college.

It is recommended that you tell your parents as soon as possible, because after a long time, you will feel uncomfortable, stressed, and the arrears may become more and more delayed.

It's better to go to work to earn money, if you keep delaying it, your parents will know sooner or later.

Also try to minimize living expenses, and slowly return the points from living expenses to your classmates to show your sincerity.

In the future, you should save money on money, especially in the current situation of lz, I advise lz to stop the credit card, college students have no income, the risk of using a credit card is high, and if you don't get it well, your integrity will also be reduced, which will affect your future.

If the individual is unable to repay the $20,000, they must tell their parents that they will help pay it back.

Ask your parents to repay on your behalf or borrow money from a friend.

Communicate with your family, reflect more, and don't spend ahead of time.

I think it's best to admit your mistakes to your family and ask for help from your family.

Ask your parents for help, otherwise it will affect your credit in the future, and many things will be difficult to do in the future.

You can go and run. Otherwise, what else do you want to do?

Legal analysis: If they are temporarily unable to repay the loan, they can explain the situation to the court, and strive for a judgment or mediation in installments during the trial stage. During the enforcement phase, it may be considered to reach a repayment plan with the applicant, or explain the situation to the enforcement court and pay in installments.

Legal basis: Article 392 of the Civil Code of the People's Republic of China Where the secured creditor's right is secured by both real security and personal security, and the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is not clear, and the debtor provides security for the thing, the creditor shall first realize the creditor's right on the security of the thing; If a third party provides security in kind, the creditor may realize the creditor's rights in respect of the security in rem, and may also request the guarantor to bear the guarantee liability. The third party providing the guarantee has the right to recover from the debtor after assuming the guarantee liability.

In this case, you can solve the problem by consulting with your family.

1. What is a debt dispute?

Debt disputes can be popularly understood as the occurrence of conflicts caused by various monetary loan repayment relationships. Debt disputes are also conflicts between people caused by money, which is called debt disputes, legal obligations: the debtor has the obligation to follow the agreement.

2. How to resolve debt disputes.

If the other party fails to repay the debt when due, the creditor can negotiate with the debtor to repay the loan, and if the debtor refuses to repay the debt, the creditor can go to the court to sue the other party to repay the money. For private loans with regular repayment, the statute of limitations is 3 years from the date of expiration of the repayment period, and the right to request protection from the people's court is lost if it is overdue.

There are many ways to resolve arrears disputes, such as negotiation, mediation, arbitration and litigation, etc., as long as they are used in a timely and appropriate manner, they will achieve twice the result with half the effort. However, due to the fact that some creditors often delay the negotiation stage for too long in order not to hurt the peace, many good opportunities to recover the arrears are missed.

Applying for a payment order is one of the effective ways to recover the amount owed. According to China's regulations, if the creditor requests the debtor to pay money and valuable, if the following conditions are met, it may apply to the grassroots person with jurisdiction Liang Yan Civil Law Rubber Belt Bank for a payment order: the creditor has no other debt disputes with the bank and the debtor; The payment order can be served on the debtor.

If the debtor fails to pay off the debts after receiving the payment order issued by the people's court, or does not raise a written objection to the people's court, the creditor may apply to the people's court for compulsory enforcement. It can be seen that the biggest advantage of applying to the people's court for a payment order to recover the arrears is that the time is short and the results are quick. Of course, if the debtor submits a written objection to the people's court within the statutory time, it must be handled through litigation procedures.

Legal analysis: College students owe 150,000 yuan in debt for online loans, record their arrears in detail, remember each of their repayment dates, and have a stable income, so that your rent income is higher than personal consumption, and pay off the loan as soon as possible. Otherwise, it may constitute the crime of fraud.

Basis of the Law: Article 266 of the Criminal Law of the People's Republic of China: Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite model or imprisonment is to be given, and a concurrent fine or confiscation of property.

If the college student's online loan debt is 150,000 yuan, it should be repaid in time, otherwise if it is overdue, the borrower needs to pay a certain amount of overdue interest according to the agreement or relevant national regulations, bear the corresponding liability for breach of contract, and may also face prosecution.

Civil Code of the People's Republic of China

Article 676.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Civil Code of the People's Republic of China

Article 678.

The borrower can apply to the lender for an extension before the expiration of the repayment period;

If the lender agrees, it can be extended.

Civil Code of the People's Republic of China

Article 667.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest on the sale.

Legal analysis: College students owe 150,000 yuan in debt for online loans, record their arrears in detail, remember every repayment date of their own, and have a stable income, so that your income is higher than personal consumption, and you can pay off the loan as soon as possible. If not, it may constitute the crime of fraud.

Legal basis: Criminal Law of the People's Republic of China Article 266 Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, the impulse is to be sentenced to 10 or more years imprisonment or life imprisonment and a concurrent fine or confiscation of property.

If a college student fails to repay the online loan, the creditor may file a lawsuit with the court, and if the party files a lawsuit because of a dispute over arrears, it is necessary to prepare a complaint and submit the evidence related to the case to the people's court with jurisdiction, and it is also necessary to pay attention to meeting the legal requirements for filing a lawsuit.

Article 577 of the Civil Code.

If one of the parties fails to perform its obligations under the Xinzhao Contract or the performance of its contractual obligations does not conform to the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 of the Civil Code.

If one of the parties expressly states or shows by its own behavior that it does not perform its obligations under the contract, the other party may request it to bear the liability for breach of contract before the expiration of the performance period.