First, the living expenses on hand are not enough.
Now the consumption level of college students is also quite high. Some people can't live on two or three thousand yuan a month. If they don't want their parents' money, they will choose a loan.
Especially those who fall in love in college, because spending money together is often not enough, the living expenses given by parents are often gone in a few days, but what should I do if I have no money? You can only choose loans.
Second, buy electronic products.
Some college students like to buy electronic products. The price of an electronic product needs several thousand yuan, so they have to choose a loan if they have no money.
For inexperienced college students, it is easy to be fooled away by lending companies. Although the interest rate of the loan company was very low at that time, when the college students borrowed money and prepared to pay it back, the amount was different from what they had said at the beginning.
Therefore, it is easy for college students not to pay back the money, and then turn to pay back a lot of money, far beyond their ability.
Third, buy luxury accessories.
Some college students are all famous brands for the sake of so-called face. In fact, their own clothes can't be satisfied, but in order to pretend to be forced in front of their classmates, they will choose loans and buy some luxury goods and brand-name goods.
Then he boasted about how rich he was in front of his classmates with the luxury goods he bought, and how much effort he wasted to grab the products.
Although it has propped up a temporary face, the subsequent repayment pressure is also enormous. After all, college students have no financial resources, and it is unrealistic to pay off debts only by a little living expenses given by their parents.
Therefore, as college students, when they are unable to buy certain products, they can choose not to buy them, or wait until they are able to buy them. After all, it is really unwise to increase consumption and overdraft.