Campus loans have made many people talk about it. Why have so many students been deeply involved in campus loans in the past two years? Many people think that some college students may be forced to choose campus loans because they can't afford tuition and lack living expenses. Is this view correct? On September 6th, at the press conference of the Ministry of Education, Ma Jianbin, deputy director of the National Student Financial Assistance Management Center of the Ministry of Education, responded positively to this question: according to the investigation of the National Student Financial Assistance Management Center of the Ministry of Education, none of the malignant cases caused by campus loans was due to the inability to pay tuition and living expenses.

Why are so many students caught in the campus loan trap? Ma Jianbin, deputy director of the National Student Financial Assistance Management Center of the Ministry of Education, believes that the main reason is that some college students pursue blind consumption in advance. This kind of blind consumption in advance, for example, some students love to compare, see that others have the latest Apple mobile phone, and they want to have one themselves. The family is unwilling to give money, or has no money, and can't go to the bank for a loan. In this case, it is easy to be tempted by campus loans. In addition, some college students don't realize the harm of campus loan at all, and fall into the trap of campus loan in a muddle.

What are the good countermeasures in the face of campus loans? Ma Jianbin, deputy director of the Student Financial Assistance Management Center of the Ministry of Education, gave three suggestions.

First, strengthen the education of students and guide them to establish a correct concept of consumption. Students should learn to live within their means instead of blindly comparing themselves to avoid vanity. The second is to strengthen the education of students' financial legal knowledge, so that students can improve their self-protection ability. Many students are completely led by fraudsters after falling into campus loans, and they simply don't know how to use legal weapons to protect their rights. Third, relevant departments should further intensify the crackdown. Campus loans are very harmful. Young people in their teens and twenties often have no way to protect them. Public authorities should intervene in time.

In a word, the essence of campus loan is usury, which is illegal. As college students, we must deeply understand the harm of campus loans and try our best to lend to college dropouts. Once you encounter a campus loan, you must ask teachers and classmates for help, call the police in time, and defend your rights and interests with legal weapons.