Banks are hard to estimate, because you are a college student and the threshold is relatively high. Now I am starting a business with loans, and I have published loan information on Easy Loan. Someone will contact you, but you should pay attention to whether it is true or not. Just remember one thing. After any loan company asks you if it is a loan, it asks you for some relevant documents. Everyone on earth knows that they want those documents, and they won't ask you for any symbolic handling fee before lending. Remember any names. Some people will say that it is a deposit, insurance, quarterly (or monthly) interest down payment. I think such companies tell you that you don't have to dump them directly, because such companies are basically liars. Of course, I'm just giving you advice. Think about it yourself. When a company contacts you, you should first confirm the authenticity of the company. Just look for it yourself on Baidu. I won't elaborate here.