For opportunities, first of all, early consumption has become a craze, and credit can satisfy everyone's desire. When there are many things to buy or little money, credit can undoubtedly alleviate the urgent need. Secondly, using credit for advanced consumption can well stimulate students to study harder. Credit belongs to advanced consumption, but it needs to be repaid in a certain period of time. For example, many girls' apps are like Alipay's flowers. Please, JD.COM. COM, etc. Basically, people with a certain credit will have a certain amount to use in advance, because they need to repay within a certain period of time. After using it, students know that they still have a credit to pay back, and they will stimulate themselves through various ways such as work-study programs and part-time jobs. Moreover, most students who can make credit should have strong credibility, strong self-discipline, know what they need, what their actions represent, and have the ability to support credit.

In terms of threats, first of all, credit is risky and may put students in trouble. There are many cases of fraudulent loans on the Internet. If students don't distinguish them, they will easily enter the scam and let themselves bear huge loans. Secondly, college students study at school and belong to the group without income. Many college students depend on their parents to pay for their living expenses and tuition. After all, there are only a few students who solve the problem of money by themselves, and parents give only a limited amount. If you enter the credit too early and are unable to repay it yourself, the pressure on college students is enormous. Moreover, there are various online lending platforms, and students can't resist the temptation, and there may be behaviors such as naked lending, which will affect the reputation and reputation of college students themselves. Therefore, college students need to keep a certain sense of prevention in credit.

In a word, college students' credit has advantages and disadvantages. It is a good opportunity to urge yourself to work hard and satisfy your desire for self-consumption. At the same time, it is easy for students to form bad behavior habits.

If college students have difficulties in living expenses and tuition fees, the state has certain assistance policies, such as student-origin loans, students' school loans, interest paid by the state during school, repayment after graduation, repayment over many years, etc., and the security of state loans is more guaranteed. At the same time, the school will also provide state grants, work-study positions and so on to help students with difficulties, so if college students have family difficulties, they can make good use of the help of the state and avoid contact with credit. At the same time, college students can study hard, improve their grade points, improve their comprehensive ability, and strive to apply for national scholarships, inspirational scholarships or school-level scholarships. It is also a big income to take part-time jobs and make up lessons through their own abilities.