What do you think of online loans for college students?

My roommate is very nice, generous and friendly, and often works a lot of part-time jobs. He orders takeout for three meals a day and often has late-night snacks. This may be one of the reasons for the high expenses. I have also tried to persuade him or her. The other time she told her not to eat so much takeout because it was bad for your health. My roommate said she couldn’t get used to eating in the canteen, so I couldn’t say anything. Now my roommate has basically dropped out of school. When I was sending her clothes, I found a lot of skin care products that I never had. I never thought that such a big thing would happen to her... Last year, we held a class meeting to warn about the horror of online loans. As a result, my roommate started taking out loans last year. It seems that there are several platforms. This platform should ask for the money to be borrowed from the next platform. It seems that people intercepted the address book information during the loan. A week ago, my other two roommates received calls to ask my roommate to say that she I submitted my resume for a coffee shop in another province, but I can't contact anyone. Now both my roommates have received threatening and abusive text messages. Later, my roommate explained that the information was just leaked and she didn't need to worry about it. Her father was the kind of person who would ask a lot about living expenses. I knew what I was going to do with it, and I felt a bit authoritarian. Maybe it was because my roommate was thin-skinned and had a strong self-esteem, so I didn’t ask my family to borrow money from outside. I definitely didn’t borrow so much and compound the interest to achieve this amount, and I signed a contract and called the police, but it seems to have no effect. Now the counselor is helping to deal with the situation and the roommate has also taken a week off. My dorm principal is just afraid that she will come back to the dormitory and that she will not come back. He is afraid that she will be under too much psychological pressure and jump off the building. If she doesn't come back, she will be afraid that her parents will put a lot of pressure on her outside. My original intention is to give you some advice, little fairies. Guys, be careful what you do in society. Never take advantage of others and don’t trust others too much. When you find something is wrong at the beginning, don’t procrastinate because you are afraid of trouble, save money, etc., and take precautions immediately. Don't take measures off track, otherwise you will spend more money to make up for it later.