Times have changed. With the help of student loans, many poor college students can easily complete their studies and enter jobs. However, with the passage of time, the repayment of student loans has fallen behind. Then, what causes college students to delay repaying their student loans and refuse to repay them? The three main reasons behind it are that you might as well take a quick look.

It is reported that there are three main reasons for college graduates to default on loans: 1, unable to repay; 2. Do not understand the loan policy; 3. Malicious arrears.

Among them, the main reason for the inability to repay the loan is the difficulty of employment. In recent years, the employment situation of college graduates is grim. Some students can't find jobs for a while, and some students have low wages or unstable incomes.

There are still some students who are confused because they don't understand the loan policy and forget to return it. Some college graduates borrowed student loans from banks during their school days and then "lost contact" after graduation. It was several years before I remembered the student loan. Although I paid off the debt afterwards, it is difficult to completely eliminate the "stain" of personal credit.

There are also some students who have a weak sense of repayment and maliciously breach the contract. Some students applied for student loans during their college years. After graduation, the bank and school staff called me many times to remind me to repay the loan on time, but they kept looking for reasons to shirk it. Later, they simply said, "I won't pay it back." This situation will also leave a bad credit record, which will affect the handling of credit business such as mortgage and car loan in the future.