Training cannot obtain credit records from the People's Bank of China. Training loan means that the training institution entrusts a third-party lending institution to lend money to the students, and the students repay the money in installments. Therefore, training loans should be possible. The loan platforms have all closed down, indicating that the lenders either have bad personal credit records or weak repayment ability. After all, although different loan platforms have different loan requirements, personal credit and repayment ability are the key concerns. Therefore, borrowers should not apply for any loans in the short term, especially the loan platform for obtaining credit information.