According to relevant laws and regulations, if it is legal for banks to issue loans to adult college students, it is illegal for online loan operators to issue loans to college students below 18. Legal basis: Article 27 of the Guiding Opinions on Banking Risk Prevention and Control issued by CBRC continues to promote the special rectification of P2P risks. Strictly implement the Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries and supporting systems such as filing and registration, fund deposit and management, steadily promote the classified disposal work according to the requirements of the implementation plan of special rectification work, urge peer-to-peer lending information intermediaries to strengthen rectification, and take timely measures such as closure, stop, merger and transfer. Twenty-eighth focus on cleaning up and rectifying campus online loans. Peer-to-peer lending information intermediaries shall not include borrowers who are unable to repay their loans in the marketing scope, and shall not provide online lending services to college students under the age of 18, conduct false fraudulent propaganda and sales, or issue usury in disguise through various means.