1. One is to push loan advertisements to college students through the Internet platform, so as to avoid mortgage and low interest as bait to induce student loans, and ask for payment of loan fees, management fees, security deposits and other fees. After receiving the payment from the students, they will be blacked out and will no longer contact. 2. One is to collude with "vocational training institutions", hold vocational guidance lectures, exaggerate the training effect, sign training contracts with students who claim to improve their comprehensive skills, and collude with loan companies to induce students to pay tuition fees with loans, thus defrauding students. 3. There is a more extreme, requiring students to provide photos, videos, ID cards and home phone numbers as collateral and guarantee for loans. Once students don't pay back on time, they will threaten to extort money.