1, affecting life and study

The heavy psychological burden such as interest expenses not only affects students' normal life and study, but even leads to running away from home or committing suicide.

Step 2 influence parents

Campus loans are basically guaranteed by parents, and most parents choose to repay, which is undoubtedly worse for families in need.

Second, preventive measures.

1. Establish a correct concept of financial management and consumption.

We advocate getting support through work-study programs or student loans, and correct the wrong ideas of blindly ahead of consumption, excessive consumption and conformity consumption.

2. Rational consumption

Do not blindly compare with others, do not covet pleasure, arrange living expenses reasonably, and be frugal and rational.

Step 3 stay alert

There will be no pie in the sky, so we should pay more attention to the "free", "discount" and "discount" in advertisements and put more question marks; Understand financial common sense and enhance awareness of prevention.

4. Take good care of your identity documents.

Don't lend your ID card to others at will, and take good care of your personal documents.

5. Choose a formal lending institution.

If you really need a loan, you should choose an institution with formal authority to handle it, learn the basic knowledge of contracts and financial laws, repay the loan in time, and maintain a good credit.

Extended data:

The risks of campus loans are

1, high interest rate

High interest and high liquidated damages are a heavy burden for college students who have no stable income.

2, the cost is high

Agency fees, consulting fees, interest withheld in advance, various fees, and the available funds are pitiful.

The way of debt collection is barbaric.

Violent debt collection behaviors such as intimidation, beating and illegal detention seriously threaten the personal safety of students.

People's Daily Online-China Construction Bank Guizhou Branch reminds young students to establish a correct consumption concept.