You can call the police. If you encounter usury traps or human rights violations, campus loans should be reported in time. The contract is based on the free expression of true intentions of both parties. Some campus loan issues involve charges. If it is not the true wishes of the borrower, it is suspected of coercion, that is, you cannot borrow money without paying the fees, which is beyond the scope of legal protection. Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, where the lender requires the borrower to pay interest at the interest rate agreed in the contract; The people's court shall support it, except that the interest rate agreed by both parties at the time of the establishment of the contract exceeds 4 times the market quotation of one-year loan. According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the loan amount specified in debt certificates such as IOUs, receipts and IOUs is generally recognized as the principal. If interest is deducted from the principal in advance, the people's court shall confirm the actual amount lent as the principal. Therefore, it is best for college students not to borrow online.