How can I tell my family if I owe tens of thousands of online loans? I just don't know how to talk.

You can communicate with your family in the following ways:

1. Consider and prepare a plan: Make sure you have made a detailed repayment plan before talking to your family. List the monthly repayment amount and time, and consider how to adjust lifestyle to save money.

2. Choose the right time: find a family member who is emotionally stable and has no time to talk about other pressures and troubles. Make sure they have enough time to listen to your questions and try to avoid busy or nervous moments.

3. Honesty and communication: Tell your family frankly about your current predicament, admit your mistakes, and explain why you need their help. Show that you understand their concerns and hope to take active measures to solve this problem.

4. Show responsibility: Show that you are ready for change and describe the specific actions you have taken. Explain how you will manage your finances and make sure you don't get into a similar predicament again.

Conclusion: Being honest with your family is the first step to solve this dilemma. Preparing a detailed repayment plan and communicating with your family in a frank and responsible manner at an appropriate time will help you gain their understanding and support. Remember, it is important to build trust, and it is also crucial to show your determination to change and solve problems.