There is no normal source of income. The main income of college students comes from the living expenses given by their parents. Except for a few people who can get some scholarships, most people can only earn their income by doing part-time jobs, but part-time jobs are not regular jobs after all, and their income will naturally not be too high. Since they can't make money, many college students naturally want to borrow it!

The correct consumption concept has not been established. Nowadays, various Internet financial platforms, such as flower shops, loans, JD.COM IOUs and various credit cards, are instilling the capitalist consumption concept, thinking that thrift is secular, and only advanced consumption and exquisite consumption can show the temperament of contemporary college students! Under the rendering of this morbid consumption view, college students' impulsive consumption and early consumption become natural!

Students who are mentally unhealthy in the same dormitory wear a certain brand of clothes, buy a certain brand of clothes, and apply a luxury cosmetics ... Looking at what others have, they want it themselves and want to be better than others!

Obviously, my family conditions can't meet the current luxury consumption, but in order to be glamorous in front of classmates and friends, under the role of vanity, I want to overdraw my future income and satisfy my current desires.

Poor financial quotient, insensitive to numbers. Many internet financial platforms, after college students overdraw their credit lines, call each other one after another and ask them to make consumption installments. These so-called preferential consumption installments seem to spread little money every month, but because the principal and interest have to be repaid in the form of equal principal and interest, their real interest is particularly high. Some college students who are insensitive to numbers foolishly made consumption installments and got into high debts!

Once the debt is not repaid, some illegal online lending platforms will guide college students to borrow new and old from other platforms, so that college students will get deeper and deeper step by step. The network is also full of various routines. Once college students who lack awareness of prevention are involved, it is really beyond redemption!

This article was originally written by Wu Peng. The above contents are only for learning and communication, and do not constitute any investment suggestions. Hereby declare! If you think the content is reasonable, please like and pay attention. Bian Xiao thanked you first!