College drop-out loans, debt-free for young people.

Case reappearance

Female college students quietly (pseudonym) lend money to their boyfriends through "campus loan" and eventually fall into a quagmire. The principal for personal use was less than 50,000, but the arrears snowballed, and finally the principal and interest reached more than 500,000.

Because he couldn't pay back the money, his nude photos were exposed on the Internet, and his family was bombarded by debt collection calls. As a last resort, the family sold the only property for repayment while calling the police.

This story looks shocking, but it is also thought-provoking. "Campus loan" is no stranger to everyone. It has quietly hurt many students and cast a shadow over the original beautiful family. Today's theme is to stay away from "campus loans".

Understand illegal campus loans

Illegal campus loans are "routine loans" for college students. Through the routine of "no mortgage, no interest, no guarantee and simple procedures", the victim is induced or forced to sign relevant agreements such as "loan" or "loan, mortgage and guarantee" in disguise, and false creditor's rights and debts are formed by means of inflated loan amount, malicious breach of contract, arbitrary determination of breach of contract and destruction of repayment evidence.

The Harm of Campus Loan

1. Campus loans will breed bad habits of borrowing students.

If the loan cannot be repaid in time, the lender will use various means to collect debts from the students.

Some lending institutions require certain value items as collateral when making loans, and require students to provide student ID cards, copies of ID cards and even nude photos. Therefore, once students fail to repay their loans on time, lenders may harass, threaten, intimidate and beat students and even their relatives to collect debts by violence, which will do great harm to students' personal safety and campus order.

3. Some criminals use campus loans to commit other crimes.

Lenders may use campus loans to defraud students' mortgages and deposits, or use students' personal information to obtain credit cards through telephone fraud.

Common routines of illegal loans on campus

pay attention to

1. Forged IOUs

For students who borrow money for emergencies, they are tricked into issuing IOUs far exceeding the loan amount on the grounds that they need repayment guarantee.

Sign a fake contract

Take away the student ID card and sign an unwarranted loan or installment agreement through excuses such as buying a mobile phone with zero yuan and taking a part-time job.

3. Continuous loans

Besiege students who can't afford the loan, and force their classmates and friends to help them repay the loan; If you can't help, you will force your classmates to borrow money and form a chain loan.

4. The campus agent is offline.

In the name of entrepreneurial organizations, let students distribute campus loan leaflets, become campus loan agents, develop offline, find goals and draw shares.

5. Beauty loan

How to prevent it?

Look carefully/carefully

1. Establish a correct consumption concept

College students should establish a correct view of consumption and money, learn to make consumption plans, consciously resist excessive pursuit of material enjoyment, rationally arrange living expenses, and refuse to spend ahead of time and over-spend.

2. Protect your personal information.

Use personal identification information carefully, and keep personal documents such as ID card and student ID card. In particular, don't vouch for strangers and avoid taking unnecessary legal responsibilities.

3. Establish a sense of integrity.

To cherish personal credit records, good credit is intangible credit wealth.

4. Enhance risk prevention capabilities.

It is necessary to fully understand the hidden dangers and risks of illegal campus loans, understand relevant laws and regulations, and enhance the awareness of risk prevention.

5. Protect yourself with legal weapons

6. Seek formal loan channels from banks and other financial institutions.

Related Questions and Answers: Related Questions and Answers: What are the hazards of campus loans? How to prevent it? I don't think we should guard against campus loans. It is most important to control our desire for loans!

The victims of "campus loan" and "routine loan" are mostly female college students. Don't male college students lack money?

Speaking of unhealthy trends in universities, campus loans can definitely rank first! Campus loan is also called routine loan because of its "routine" nature! Gradually, more and more people began to find that the victims of campus loans were mostly female college students. Don't male college students lack money? Or is it that female college students are easily deceived?

Analyze the loan use of male and female college students!

Male college students:

Play games and buy equipment! Fall in love, pay for love!

Female college students:

Buy snacks, bags, cosmetics, new mobile phones and hair!

Analyze the loan amount!

Boys are only a few thousand dollars at most!

There may be more girls, probably tens of thousands!

Analyze repayment ability!

Most boys save money, they have more arrangements for living expenses, or they know it!

Girls are less resistant to temptation. Although the personal repayment ability is low, but the boyfriend can share a little, who let people be girls!

I can only think so much on campus! However, I always hear the news that a college student's campus loan cannot be repaid, which has caused various adverse consequences. I said: I can't figure it out!

Unconsciously, these people graduated from college!

However, campus loans may not be finished! Faced with the instability of work and the bitterness of life, we can only download all kinds of loan software "robbing Peter to pay Paul". The brief relaxation makes people feel more depressed about the next crisis.

College students who step into the society begin to compare with others, not only because they are difficult to control, but also because they are too tempted. Who doesn't want to experience the influence of cosmetics, various fashion items and various high technologies on people? Maybe that's the truth. More and more people are eyeing loans and credit cards again, and getting into debt is like snowballing. In the end, faced with huge debts and interest, it was unable to repay.

What followed was the violence of debt collectors. Faced with the inability to repay and not wanting to increase the family burden, some people choose extremes. There used to be news that women were unable to repay their debts. After jumping off the building for more than 300 days, the family still received a dunning call.

A sudden burst of sadness!

After listening to a burst of sadness, I wanted to say, "If I had known today, why should I have?" But no one listened! The routine of campus loan is never clear, but the bad consequences of campus loan make people look down on campus loan even more. Some people may ask: Why is it so difficult to write off such bad campus loans? This reminds me of a sentence: popularity means someone needs it! Perhaps this is the reason why campus loans and routine loans cannot be eradicated!

Today's topic: Do you think this is the reason why campus loans cannot be eradicated?

Concern: Enjoy the new society.