no

Second, the harm of campus loans

At present, the hazards brought by campus loans mainly include the following:

1, which is much higher than the interest of the principal. At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.

2. Bring troubles to classmates and family around you. Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3. Once overdue, the dunning is "all-round". In some cases, once a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.

It is easy to breed the bad habit of borrowing. Some students are addicted to comparison and have bad hobbies. The expenses provided by parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

5, easy to induce other crimes, lenders may use the campus "student collateral, deposits, or use student information to engage in telephone fraud, fraudulent credit cards, etc.

Third, where is the student loan safe and reliable?

I suggest you go to the local credit cooperative for a loan. Or you can go to the local government to apply for a difficult subsidy. To go through the formalities in your local area, you just need to find someone to guarantee it. Specifically, everyone's loan is different and the procedures are difficult.