1. Campus loan is usury; 2. Campus loans will breed bad habits of borrowing students; 3. If the loan cannot be returned in time, the lender will use various means to collect debts from the students; Four, some criminals use "usury" to commit other crimes.

1. Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. The survey shows that the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

Second, although campus loan has the advantages of convenient application, simple procedures and rapid loan, it also has the characteristics of lax information review, high interest rate and high liquidated damages. Students may fall into the trap of "chain loan" under the inflated consumption desire and fluky psychology, and it is urgent to strengthen supervision.

Third, the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

4. With the increasing number of online loan platforms for students, only by lowering the loan interest rate and increasing the loan amount will more and more student borrowers fall into the installment trap, discrediting their own reputation, reducing the profitability of the platforms and causing losses.

Fifth, establish a correct consumption concept and resist the temptation of blind consumption and following the trend. Students should consume reasonably according to their own economic conditions, and must do what they can, and put an end to high consumption and advanced consumption beyond their ability. If there is a legitimate demand for funds, it should be handled through formal financial institutions. Students are facing financial difficulties in their study and life, so they should take the initiative to ask the school for help, and the school will actively take measures to give financial assistance.

6. If you have been caught in the illegal campus loan storm due to negligence in the early stage, you should promptly report the relevant situation to the school and seek the intervention of financial, regulatory, public security and other departments to safeguard your legitimate rights and interests.