It will be very difficult for students to defend their rights if they are defrauded of training loans and signed loan contracts and training contracts. Because the trainees are adults and full civil actors at the time of signing the contract, the loan terms between the trainees and the lending institutions are legal and effective. Even if the learning and training institutions encountered do not have the qualifications for learning and training, it will not directly invalidate the training contract, and the students' loans still need to be repaid on time as agreed in the contract. The above is about being cheated, training, borrowing money and only accepting repayment.