There are also many kinds of loans, formal loans and informal loans. Nowadays, when people need money badly, they either use flowers or overdraw their bank cards, which solves the urgent need, as long as they return them before the specified date. There are also some informal loans, such as usury. Because of the high interest rate, people who are unable to repay often cannot bear the pressure of repayment, which will eventually lead to adverse consequences. In recent two years, a loan model called "campus loan" has emerged, mainly for female students, so many people have embarked on the road of no return and even paid the price of their lives.

Junior high school and high school can do it. Basically, many students live on campus or go home every day. There is basically no need to worry about life, but they are different when they go to college. In college, although parents will give some living expenses, most families will still "deduct". Sometimes a month's living expenses can only be used for eating and traveling, and it is not enough for girls to wear cosmetics or go shopping in buy buy. Some college students will earn living expenses and increase their work experience through regular part-time jobs, but some vain female college students are targeted by people with a will. It is understood that 90% of students who borrow campus loans are girls, while boys borrow very little.

Why do campus loans specifically look for girls? The reporter interviewed a school flower who borrowed a campus loan. She said that it was because of convenience that she borrowed some money to buy some fancy clothes and lipstick when chatting with her "brother" in society. Who knows, she almost borrowed something. Finally, her parents learned that the incident did not continue to spread, but she had let the school flower drop out of school and go home to rest. The beauty queen once said that she was not the only girl who borrowed campus loans. Most girls who borrow money are vain and spend a lot. But everyone's family situation is different, so they have been borrowing campus loans.

Generally speaking, borrowers are familiar with each other and know each other through many channels. Sweet words make them feel that it is easy to borrow money, regardless of the repayment time. If they have money, they should return it with interest. Many girls don't ask about the details of the loan, and they don't consider whether they can earn so much money.

Why do you say that campus loans harm people? Because the borrower has only one requirement, that is, he will lend money to female college students, that is, as long as he has a nude photo with his ID card. With this photo as a guarantee, they will delete it as long as the money is returned. Many girls believe it. But in the end, I found my photos on some pornographic websites, and some even sent them to relatives and friends, which hurt girls' self-esteem and caused suicidal thoughts.

Why don't girls use credit cards when they know that campus loans have serious consequences? Many netizens will have such questions. In fact, for many girls who borrowed campus loans, the amount of flowers and credit cards is very low, and thousands of dollars are not even enough to buy one or two clothes. Going out to eat and then going to the bar can't satisfy the desire at all. And the most important reason is that the flower garden and credit card set the repayment time, which is usually about one month, unlike the money promised by the "campus loan" brother. It is with this in mind that these girls gave up the flower beds and credit cards.

After reading many cases about "campus loan", I am glad that the country has begun to crack down on this informal loan method, but in the corner we don't know, this method is still hurting girls. Bian Xiao still wants to remind young ladies to control consumption and enhance their ability, and never go to into the pit!