Online lending is a huge trap, and many people call it financial opium. Once the owed money far exceeds your repayment ability and your family can't help, don't keep forcing it.

At this point, the best way to cut losses is: default directly, completely stop using new loans to pay old debts, and focus on working hard.
Using new loans to pay old debts is like drinking poison to quench thirst; the more you borrow, the more it grows, with interest and fees piling up like a snowball, and debt will only get bigger and bigger, eventually collapsing completely. Defaulting is uncomfortable, but it can instantly stabilize the debt and stop it from being an endless money pit.
Most importantly, your monthly salary will no longer be swallowed by interest, allowing you to support yourself and your family, and slowly save money to negotiate repayment later.
Stop using new debt to maintain face; proactively defaulting forces you to face reality. Focusing all your energy on earning money is the real way out.