In recent years, every college student suicide caused by bad "campus loans" has touched the nerves of the whole society. "Bad' campus loan' is not a subsidy measure, but a fraud trap for killing people." Ma Jianbin, deputy director of the National Student Financial Assistance Management Center of the Ministry of Education, hit the nail on the head and pointed out that the essence of "campus loan" is a high-interest loan, which is a reality of fraud and extortion under the guise of goodwill.

He said that bad "campus loans" are not loan products issued by formal financial institutions to college students, but temporary loans issued by individual bad peer-to-peer lending platforms, enterprises, organizations and even individuals, which often induce students to over-consume by means of false propaganda, lowering the loan threshold and concealing the actual tariff standards. The survey found that "campus loans" are often used for high consumption or so-called entrepreneurship.

During the university period, students who have difficulties in paying tuition and accommodation fees can apply for student loans; Those who have difficulties in living expenses can apply for state grants and work-study programs. "Even if the family doesn't pay a penny, the state will ensure that poor students enter school smoothly and complete their studies." Ma Jianbin emphasized that the national student loan is a loan led by the government, subsidized by the government and handled by relevant financial institutions, specifically for students with financial difficulties.