I can tell you that lack of rest and sleep, especially staying up late often, may have adverse effects on health, including lowering immunity, affecting mental health and aggravating fatigue. Therefore, it is strongly recommended that you try to get enough sleep and seek medical advice in time to ensure your health.

For your overdue online loan, I suggest you communicate with the lending institution to see if there is any repayment plan or other options, seek legal advice and get more comprehensive support.