There are two sides to college student loans. The advantage is that college students get small loans, which can be used for consumption, entrepreneurship, travel, etc., thus stimulating domestic consumption. Disadvantages are: college students have no ability to repay principal and interest, which will make borrowers fall into repayment dilemma.

The following is a concrete analysis of the advantages and disadvantages of college students' loans:

Advantages of college students' loans:

Compared with ordinary adults, college students have less disposable money, but at the same time they are the main consumers of fashion products, so they can promote social consumption in this way. For students, such a new consumption mode has solved the contradiction between insufficient amount and timeliness. For merchants, selling goods is profitable.

for the whole market, it increases the market demand and expands the market space. Moreover, the online loan and installment loan for college students can bring more opportunities for college students' consumption, which has certain positive market significance. For example, how can such a way help students achieve consumption more effectively, instead of encouraging irrational consumption?

Disadvantages of college students' loans:

We should be cautious when using peer-to-peer lending platform for such relatively large expenditures as business start-up loans and tuition payment. The success rate of college students' entrepreneurship is low. Entrepreneurship itself is a venture capital, and the interest rate in peer-to-peer lending is high. If it is not smooth, the road to entrepreneurship will be more difficult.

college students need to plan their own consumption reasonably, insist on moderate consumption, and resolutely avoid unreasonable consumption ahead of time that is fashionable and proud. On the one hand, college students should see the impact of these internet financial tools on their own consumption behavior, on the other hand, they should be able to analyze and explore the commercial applications of these tools, for example, whether these tools can support innovation and entrepreneurship.

And everything is two-sided. "Campus finance" itself is also a way of managing money and an overdraft credit consumption, which will inevitably bring the interest and other business expenses due to loans. Therefore, we must be alert to the word trap in the "campus financial services" clause, and we must have a sense of risk.