As a student now, you'd better tell your parents to pay it off in one lump sum. More than 30 thousand is really not much. Parents will certainly help you, but for an ordinary student at school, it is still a lot of money. If you go to the bank for a loan, it may not be approved. If you are in debt alone now, it will affect your mood and then your studies. This is not worth the loss. Just tell your parents to pay off the money. Don't borrow online loans in the future. Study hard, study hard.

Extended data:

Harm and prevention of online loan for college students;

College students are pinning all the hopes of their families and carrying the hopes of the nation, and the future of the motherland has a long way to go. However, the recent incidents of college students committing suicide by jumping off buildings due to "bad online loans on campus" have been frequently exposed, which has aroused widespread concern and heated discussion. At present, there are a large number of online loans on campus, and bad peer-to-peer lending platforms adopt false propaganda and lower the loan threshold to induce students to consume in advance and over-consume, which seriously damages their vital interests. Now I propose an initiative to all students:

1, do not participate in bad online lending activities; Do not be a propagandist and agent of non-performing online loans; Do not use personal information to make online loans for others, nor do you use other people's identity information to make online loans for yourself.

2. Enhance the ability to identify and resist the online loan business, don't blindly trust online loans, especially be wary of acquaintances to promote and safeguard their legitimate rights and interests.

3. If you need a loan, you must negotiate with your family, choose a formal and legal financial institution, and repay it on schedule.

4. Abandon the psychology of keeping up with the joneses, consciously correct erroneous concepts such as leading consumption, excessive consumption and conformity consumption, rationally consume, and cultivate excellent qualities of hard work, simplicity, diligence and thrift.

5. Actively learn the knowledge of finance and network security, improve the prevention ability, and do not fill in and disclose personal and other people's information at will.

6. Reject bad online loans, focus on your studies, always put your studies first, and repay your parents, society and country with excellent results.

Students, in order to protect the property safety and personal safety of ourselves and others, let's take active actions, start from now on, start from you and me, spend rationally, consciously resist bad online loans, carry forward the positive energy of youth, and create a good campus security atmosphere!