1. The interest rate is extremely high. The annualized loan interest rate of the student online loan platform is generally between 10%-25%, and the annual interest rate is even as high as 70%.

2. The means of guarantee and debt collection are dark, setting up loan traps, and violently collecting after loans, forcing college students to "guarantee";

3. When making online loans, there is a lack of basic anti-inspection mechanism, and the repayment ability is not examined, and college students with poor repayment ability are borrowed.

In the face of various illegal online lending platforms, how to protect students' own safety? We can start with the following points:

1. Protect personal identity information, whether it is ID card, student ID card, Alipay or bank card account number, it is not appropriate to disclose it to others casually, even acquaintances of the school (including teachers, seniors and roommates);

2. Formal companies have formal processes. Any loan company that requires payment before lending can be counted as a fraud company. Please don't believe it;

3. Shopping by stages should be done according to one's ability and comprehensive comparison. At the same time, it is forbidden to repay loans with loans;

4. Companies with loan training as the prerequisite for access can also be directly listed as fraud companies, and can be inquired at the Industrial and Commercial Bureau;

Pay attention to be a guarantor under any circumstances, otherwise you will be jointly and severally liable for the loan.