What do you need to do after you are in debt? Nan Ke, who created and operated the "Our Way to the Ashore" public account, is a member of the debtor group. When he was in debt of 430,000, he stopped and started his "Walk to the Ashore".
Jiebei
The first loan was more than 8,000 yuan
In 2015, Nan Ke, who had just graduated, came to Shanghai. His work was still unstable at the time, so he borrowed more than 8,000 yuan from Alipay and Jiebei and paid the rent.
At that time, Nan Ke thought that after his work was stable, he could pay back the money soon. Although he was worried, he still pressed the loan button. Since then, Nan Ke began to receive calls or information from various lending platforms asking him whether he needed a loan. When he orders with the ordering app, he will pop up loan advertisements; when he takes a taxi on his mobile phone, he will pop up loan links after checking out; when he walks on the road, in subway stations, and in elevators, he will also find loan advertisements. He began to choose to use online loans to solve the problems he encountered in his life.
, but then it was overdue, and Nan Ke began to receive collection calls. He began to choose to tear down the east wall and repair the west wall, and find new platform loans to fill the holes in the previous platform. Nan Ke felt the pressure was getting bigger and bigger. What woke him up every morning was not an alarm clock, but a collection text message and collection phone number, threatening to tell him family and friends in the address book, his work unit, and even went to court to sue him for lawsuits.
"Self-rescue"
plan to pay off debts in 6.6 years
"I am 28 years old this year. Even if I pay 5,000 a month, it only takes 80 months, that is, 6.6 years to pay off my life. Optimistically, I can start over again." One day in February 2020, Nan Ke decided to write about his experience of online loans. He sorted out the loans on various platforms and found that he had unknowingly borrowed more than 430,000 yuan.
When I saw this number, Nan Ke was surprised. Then, he began to choose to "get ashore" - forcibly stop his loans.
He believes that the stupidest but most effective way to "get ashore" is to save money and then repay debts from one platform at a time.
"If you pay the salary, you will pay back the loans from each platform. In fact, the interest will be paid. In this way, my loan period will become longer and longer, and my debt will become higher and higher as the interest increases." Nan Ke said that only by paying off one platform first, and then paying another, can I untie this set.
Nowadays, Nanke's debt has been reduced to more than 380,000 yuan, and less than 50,000 yuan has been paid. This was a little slower than he had originally 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 up a 'big money' - 2,000 yuan, but I spent another 1,500 yuan because of dentistry."
persuaded
not to "go out of the water" easily and "get ashore" rationally and to pay back my debts, Nan Ke sold some possessions and changed to a cheap youth hostel to live in. Every day, he sent his experience of repaying his debts to Zhihu, called "Ashore Diary". As a result, more and more "debtors" were known, so he built a WeChat group to let everyone gather together to keep warm. During the Spring Festival last year, a debt mother had a world-weary idea. The group members were worried that something would happen to her, so they asked her about her contact information and persuaded her together, giving her a lot of encouragement. Now the debt mother is taking care of her children alone, doing odd jobs in the supermarket, making money while trying to pay off her debts.
Later, more and more groups were built, and Nan Ke could not reply one by one, so he created the official account "Our Way to the Ashore", advising those who did not "go" not to borrow money online easily, and advising those who did not "go" to repay loans rationally.
Nan Ke said that he wrote an article on his official account to advise everyone that if he is already in high debt, stop borrowing, find a job first, make money and pay off his debts slowly, and don’t be rushing to achieve success, and the debts will become higher and higher by being cheated. Even those who want to make money and pay off their debts with their jobs, Nan Ke advised them not to rush. There are many similar people around Nanke who look for part-time jobs in order to repay the money. Some use the little savings left to invest in opening a store, but they lose money.
During the period when operating the official account, Nan Ke received many advertisement invitations from online lending platforms in the backend of the public account, and he ignored them. He understood the trick here: black online loans lure debtors to mortgage their houses and cars, and asked them to borrow usury to repay their existing debts, or be deceived into telecommunications fraud. What's more, they will be targeted by pyramid schemes and fraudulent organizations, guiding them to invest or cheat money in the name of asset restructuring that can offset debts.
Reflect on
"I want to satisfy my desires, but I ended up emptying myself."
Many people's loans start from 10,000 or 20,000 yuan. After the debt was overdue, they were unwilling to tell their parents that they chose to tear down the east wall and repair the west wall, and their debts became higher and higher. A considerable number of debtors in online loans are caused by irrational over-consumption. "I want to satisfy my desires in advance, but I ended up emptying myself," said Nan Ke. After communicating with hundreds of debt netizens, Nan Ke also began to reflect on the debtor's own problems. Nan Ke found that many young people have no plans for their lives and property. Many debtors cannot see the tricks of lending platforms clearly and do not understand the legal knowledge involved in debt disputes. "Today's society is developing too fast. We should constantly enrich ourselves, whether it is financial management, law or personal cultivation."
Nan Ke noticed that in the past two years, as the country continues to crack down on and rectify online lending financial platforms, although black online lending platforms have gradually disappeared, borrowing from formal platforms has become easier and easier, and more and more people investing in financial management, which 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 simple. Nan Ke believes that this is a signal that they will gradually get better.
text/Reporter Zhang Ziyuan Intern Liu Meng
More than half of the debt is 100,000+
high-frequency words
Douban "Debtenders Alliance" group from October to December 2021 to review the content of the posts, which shows that overdue, payment, negotiation, credit card, landing, etc. are high-frequency words for discussion.
95 accounts for nearly 30% of
advanced consumption is the main reason why young people owe large debts
Beijing Youth Daily reporter noticed that in Douban's "Debtor Alliance" group, there are more than 44,000 members, most of them are "check in and pay off their debts".
According to the content of more than 3,200 online posts, Beijing Youth Daily reporters found that 136 of them expressed their reasons for their debt, amount involved, etc. In the above-mentioned online post, a total of 71 people disclosed their monthly income and total liabilities at the same time. According to statistics, the average monthly income of these 71 people is 6,851 yuan, and the average debt is as high as 150,000 yuan, and the liabilities are 21.9 times the monthly income. In terms of debt reasons, it is mostly due to advanced consumption, loan-based loan support, venture capital failure, online gambling, currency speculation, etc.
Picture production/Pan Fan
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