Legal analysis: The loan application conditions for installment music require the applicant to be over 18 years old, and then have a stable income source and the ability to repay on time. Have full capacity for civil conduct and the ability to repay the principal and interest on time. This means that as long as college students meet these conditions, they can apply.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.