Once you apply for an "education installment" loan, will it be difficult for college students to drop out of school? Some college students can't drop out of class and can only sell them on second-hand platforms.
Yesterday, Beijing Youth Daily reported that an oral English organization is actively promoting its products to college students, which is called "education installment loan". The reporter of Beiqing Daily learned through investigation that in terms of training and education, it is not a case to actively promote the product of "education installment loan" to college students. Several education and training institutions often strongly recommend "education installment loans" to college students. Once you get this kind of loan for training fees, you can't "drop out". The reporter of Beiqing Daily learned that after personally experiencing the installment loan report remedial class, there are not a few people who are difficult to refund. In order to reduce the loss, they have no choice but to sell the unrewarded course content on the second-hand trading platform.
Reprinted by Event Hunting Test Network: Many training schools are involved in "education staging" loans.
Yesterday, Beijing Youth Daily reported that an English institution actively promoted the product of "education installment loan" to college students who have no economic development ability when marketing oral training. Xiaoxue, who studied and trained in an English institution, described her personal experience of purchasing courses in an English institution to the reporter of Beiqing Daily.
Xiaoxue said that when she graduated from graduate school this summer, she bought relevant course content in an English institution. Before purchasing the course, Xiaoxue made an inquiry in three teaching areas of a company's English training class, and the salesman in each teaching area strongly recommended her to pay the training fee by means of "education installment" loan. Xiaoxue said that she later applied for the installment payment of Guangfa under the specific guidance of the education consultant. Xiaoxue told the reporter of Beiqing Daily that now she must pay back the training fee 1.800 yuan and the service fee 1.654.38+0.2 yuan every month. "When the marketing helped me with the installment payment, I never mentioned the service fee. So I thought this 1, 654.38+0.2 yuan only received it once, but I didn't expect it to be received every month. " In this way, Xiaoxue will pay an additional service fee of 3 136 yuan after paying off all 28 loans.
Zhang Ying (pen name), a college student, told the reporter of Beiqing Daily that she bought the course content with the strong recommendation of Wisdom Fofo Agbo English education consultant a year ago. The course content lasted for two years, and the original price was more than 40 thousand yuan. "At that time, some people spoke very well. I learned that I just went to college and had no money. I also took the initiative to tell me that I could repay in installments. At that time, when I heard it, I paid 2000 yuan a month, which was ok, so I got a card. However, after a period of after-school internship, I felt that it was not suitable for me, so I wanted a refund, but the training school said that it would not help me return things. "
In addition to Xiaoxue and Zhang Ying, many netizens posted on Sina Weibo, Baidu Post Bar and community forums, teasing that they had been "pitted" by the "education installment" loan from the education counseling institutions.
Reprinted by interview hunting test network: It is strongly recommended that "education installment payment" be normalized.
The reporter of Beiqing Daily interviewed many training schools in Beijing as college students. In a branch school of an English-speaking institution in Wangjing, the education consultant "tailored" eight-level courses for the reporters of Beiqing Daily, which lasted for one year and cost more than 36,000 yuan. Speaking of payment, the education consultant immediately said that considering the students in school, the pressure of buying a house in full is too great, and the training fee can be repaid in installments. "Installment payment can be made by credit card or Baidu wallet. You signed up, and the people in our store will help you with the actual operation. " As for whether there is a service charge for this installment payment, the education consultant said it depends on the situation.
The education consultant of a Fufu English school in Dawang Road suggested that the reporter of Beiqing Daily should buy one year's course content for study and training, and the cost is more than 30,000 yuan, or they can choose to repay by installments. "The down payment is 5999 yuan, and the remaining 12 is six months, and 2000 yuan is paid in January." The Weibo English online customer service staff of the International Trade Center told the reporter of Beiqing Daily on the phone that the education consultant in the store would make a supporting curriculum plan for the students, and the students would pay according to the curriculum plan. "Teaching fee is half a year or a year. Payment methods include full house purchase and installment payment. Generally, I think that like college students, everyone proposes to pay by installment. " Online customer service staff said that the "education installment payment" institutions that cooperated with their universities were all Baidu Finance.
In addition to several English training classes of an English institution, Fufu English and Bo Education, Beiqing Daily reporter also found that some post education and training institutions have personal behaviors to encourage college students to "pay by installment" loans. The reporter of Beiqing Daily consulted a German education on the grounds that college students had to take self-study exams. The staff said that there are three levels of fees for self-taught training institutions at this stage, ranging from 5980 yuan to 12480 yuan. So that the reporters of Beiqing Daily can apply for the exam with peace of mind. The staff also introduced in detail the financial enterprises they cooperated with. In addition to Baidu Finance, which is common in the three English training courses interviewed before, they can also use coffee easy to melt and dried rice micro-loans.
Reprinted by the survey hunting test network: most training schools refuse to refund.
In the survey, the reporter of Beiqing Daily also found that the vast majority of such training schools said that under normal circumstances, the course content can not be refunded online or offline. Ms. Qian, a graduate student, told the reporter of Beiqing Daily that before she applied to pay the training fee in installments, the education consultant immediately told her that if she didn't want to study in the future, the money would not be refunded.
Xiaoxue also told the reporter of Beiqing Daily that although there was a refund method in her course content contract, as far as she knew, no one she knew had a successful refund. "Many of us can't get a refund and can only go to the second-hand trading platform to sell courses."
On a second-hand trading website, the reporter of Beiqing Daily searched the names of several large and medium-sized training schools, and found that basically every institution often had merchants claiming to be students reselling the course content. A businessman who sells the course content of an English institution told the reporter of Beiqing Daily that he bought a course of more than 70,000 yuan, but in fact he didn't think of the goods until two or six months later. "One is because of the time problem, and the other is because of the pressure of repaying loans." The merchant said that he had explicitly asked a company for a refund, but his appeal was rejected. Selling classes on second-hand platforms is the idea of educational consultants.
Ms. Liu, who has been engaged in an English training class for many years, told the reporter of Beiqing Daily that training schools often refused to refund students. First, it is related to teachers' sales performance and market sales; Second, it is related to the complicated steps of refunding training fees by stages.
Generally, employees in training schools are employed after a period of training. There is an agreement in Pei Zhen's content that I negotiate a proposal and the organization will give the teacher a relative draw and performance bonus. If professionals undertake marketing, there will be sales performance indicators every month. Therefore, once there is a refund for college students, education and training institutions will punish the relative teachers and salesmen, so most teachers and salesmen are not easy to let college students leave casually.
For complicated refund procedures, the key is that college students sign agreements with different institutions respectively.
An insider said: "At that time, college students signed an agreement with the university, and then signed another agreement with financial institutions or other financial enterprises. The agreement signed with universities is to cultivate Shenzhen, and the agreement signed with financial enterprises is to borrow money. The connection is that universities recruit college students, college students borrow money through financial companies, and financial companies give money to universities. In that case, once a refund is needed, the university must first allow it, and then the university will give the rest of the money to college students or financial enterprises. The loss caused by the refund and the interest on the installment loan will still be paid by college students. "
Insight hunting test network reprint: training schools need to clarify the terms of loan contracts to students.
In view of the normalization of college students' loans by education and training institutions, Han Xiao, a criminal defense lawyer of Beijing Kangda Law Firm, said that although the state is encouraging college students to use installment loans to pay their training fees, so as to relieve their work pressure, college students still have to choose whether the financial company that the training school cooperates with is a reliable enterprise. According to the Notice on Strengthening the Renovation of Asset Management Business and Carrying out Acceptance Work through the Internet (hereinafter referred to as the "Notice") recently issued by the lead agency for centralized rectification of Internet credit risk, Internet asset management business that cannot be engaged without a financial license is established.
If the credit platform for producing consumer loans such as training fees does not obtain a financial license, it is illegal to operate Internet asset management, and it is also suspected of false advertising and unfair competition because of false marketing promotion and fraudulent lenders.
If the Internet credit platform has obtained a vehicle license for asset management business or a financial license for reasonable, legal and compliant operation granted by the central competent commercial authority, then the network platform that has handled administrative licensing matters can use the Internet to publish and market asset management products.
A well-managed, legal and compliant internet credit platform can show students the training fee loans of training schools. There is also a prerequisite that students have a clear grasp of the characteristics of loans, credit lines and repayment characteristics. If the training school does not specify the terms of the loan contract to the students, or the actual implementation status is inconsistent with the early commitments, resulting in the students signing the loan service agreement without knowing it, then the training school is still suspected of false advertising and induced publicity. (reporter? Wang Tianqi? Intern? Zhang Yulin)
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