First, college students lack certain judgment and rich social experience. Although most college students are adults, they are still only students in essence. Moreover, most of them have just come out of the busy study life in high school, and they don't know much about society, so they lack social experience. At the same time, college students lack the ability to identify some scams and swindlers, and lack certain judgment. This makes it easy for them to fall into various scams. Moreover, although entering the university can be regarded as entering half of the society, college students still focus on learning, and most of the people they know at school are just simple students and will not experience too much exercise. Therefore, they lack vigilance against many people in society, so they are more likely to fall into scams. Therefore, college students who lack judgment and social experience can easily become the key targets of scammers. .
Second, college students don't have much money, so it's easy to borrow money. Most college students can't achieve economic independence, so their source of income is usually pocket money given by their families. However, college students' financial management and consumption concepts are not so mature and rational, so they are prone to high consumption or early consumption. However, college students generally consider themselves as adults and generally have strong self-esteem. Therefore, when they are short of money, they will not choose to ask their parents for money or borrow money from their friends. They want to maintain their self-esteem. So at this time, they may understand some lending platforms, so that those who have no conscience can take advantage of them. Therefore, college students can easily become victims of campus loan fraud.