Contact the lending platform one month in advance to apply for loan extension to ease the current repayment pressure.
The advantages of doing so are as follows: first, overdue interest will not be accumulated because there is no repayment; Second, the repayment attitude is positive and will not be included in the blacklist of online loans.
As an emerging market, online loan for college students lacks effective government supervision and industry self-discipline. In the process of its barbaric growth, there are many imperfect or inevitable problems. The outside world should not be too demanding, but should treat its advantages and disadvantages rationally, objectively and pragmatically. ?
1. First of all, it is beneficial for college students to finish their studies better or start their own businesses. At present, it is difficult for college students to apply for a bank credit card, and the application period is long and the steps are relatively complicated. The amount is generally 500 ~ 3,000 yuan.
2. As a result, there are some P2P platforms from which students can apply for funds. Compared with credit cards, the application threshold is much simpler, and you only need to provide your ID card and student status certificate.
3. In terms of use, the direction of use of funds is completely unrestricted. In addition to promoting consumer loans, the P2P platform is currently incorporating college students' entrepreneurship and student loans into the promotion plan, helping those students with financial difficulties to complete their studies without increasing the burden on their parents and families, and also helping students without economic foundation to start their own businesses with loans. ?
4. It is beneficial to cultivate college students' independent economic consciousness. It can make college students no longer rely entirely on their parents for consumption, because their own repayment pressure can spur college students to save money, manage money and repay loans, which is conducive to enhancing their sense of responsibility, credibility and outlook on money. ?
But college students' online loans will also have negative effects:
1. First of all, the psychology of college students blindly comparing with others is expanding. Due to different backgrounds, the economic conditions of college students are bound to be different, and the consumption level will naturally be different. College students whose world outlook and outlook on life are not completely sound and stable can easily form the psychology of blindly comparing with others.
2. When college students' living expenses are mainly provided by their parents and it is difficult to apply for credit cards, their consumption will be restricted to a certain extent. Once some online loan companies attack them under the guise of "zero down payment", "zero interest" and "the fastest 3 minutes to arrive", they are easily attracted to lend.
3. This further encourages their comparison and hedonism. According to relevant survey statistics, the items that college students consume in online loans are mainly technology products such as mobile phones and computers. In addition to digital products, play, clothes and catering are also one of the main consumption contents of college students' online installment loans.
4. Excessive consumption in advance affects college students' studies and future. The threshold of online loan installment consumption is low, which provides a platform for college students to spend in advance and luxury consumption. However, many people spend irrationally and are even heavily in debt, which affects their studies. In addition, once the payment is overdue, it will affect the personal credit information of college students in the bank and face the risk of being sued.
5. At present, college students belong to the group with no source of income. It is good to have a platform willing to provide loans, but students are not encouraged to spend too much. After all, there is no source of income at present. On the basis of reasonable consumption control, college students should make good use of the platform to cultivate their own financial management concepts. ?
Generally speaking, college students' online loan is still a new thing in China, and we should treat the existing and emerging problems rationally. On the one hand, it is necessary for the government to strengthen financial supervision, the online lending industry to maintain self-discipline and the society to supervise; On the other hand, we should guide students to establish a correct consumption concept and avoid irrational consumption.