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 the user has handled the installment loan of the third-party platform, he needs to pay it back himself. Therefore, plastic surgery loans are not effective and have scars, and the loans are borne by the users themselves. 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.