Formal online loans are overdue. Three months later, the number changed and I couldn't afford it. Will I be prosecuted?

You will be put on the list of execution for breach of trust. If you don't pay back the money, you may be sued. I suggest you don't have the idea of not paying back the money. Online channels will all be registered with real names, and your mobile phone number has identity information. If the other party wants to find you, it is very simple. The online loan will leave the family's phone number and home address, and you can't run away. You'd better return it quickly.