What exactly is a campus loan? Campus loan is a kind of behavior, a kind of behavior that students who are still in school borrow money on various lending platforms! Although China has clearly issued a document to try to ban campus loan business, it is inevitable for major institutions to lend to college students! According to the survey, about 9% of college students in China will use loans to withdraw money, and 4% to 5% of them are in peer-to-peer lending! On the Internet, you can get a loan by submitting the materials for review and paying the handling fee, which is "convenient and quick" and makes many college students go astray.

2. Why is campus loan so popular? There are two aspects! First, with the rapid development of Internet, P2P finance in China is also developing rapidly! As a result, various campus loan platforms began to appear more and more! They advertise under the banner of low threshold, no mortgage and low interest rate, which makes many college students feel that this can be controlled. In fact, there are all kinds of traps in it! Even if you hold a college student ID card and ID card, you will have to charge a handling fee of about 20%! That's one fifth of the loan! There must also be a monthly interest rate. Think about it carefully, the interest rate of campus loans should be more than 8 times that of normal loans! This is not to find money for yourself at all, it is simply to send money to lending institutions! The second is the students themselves. This incident certainly reflects the serious lack of legal awareness and risk awareness of college students. Secondly, why can it be dominated by lending institutions? Linked to their consumption concept! A large number of consumer demand will make them embark on this road of no return! Therefore, we must restrain our extravagant consumption concept! Never set foot in campus loans!

3. Prevent campus loans. First, download the anti-fraud APP to effectively prevent fraud. Secondly, let yourself have a correct view of consumption and allocate your living expenses reasonably! Don't have any luck and dependence on campus loans. If you feel that the living expenses are not enough, you can seek a regular part-time job, or you can apply for work-study programs, grants or scholarships.

Finally, I hope every college student can get a loan from dropping out of college and cherish life!