Users bear it themselves. Hospitals or cosmetic institutions are only responsible for providing medical and aesthetic projects for users, and do not directly provide loans. Third-party platforms provide loans. As long as users apply for installment loans from third-party platforms, they need to pay them back themselves. Therefore, the cosmetic loan, the cosmetic effect is not good and there are scars, and the loan is borne by the user himself. Cosmetic surgery, also known as plastic surgery or plastic surgery, mainly covers skin, muscle and bone injuries, diseases, congenital or acquired defects and deformities of tissues or organs.