There will be no pie in the sky. They are just intermediaries, help you package your identity and then apply for some small lending institutions. They charge you for your service, and many of them make money. Finally, the debt falls on you, and then if you really don't pay it back, you will wait for debt collection every day, or the court will sue you. So don't listen to their one-sided words, there may be loopholes in it, but in the end it's you, 300 million years.