This shows that you would rather make yourself a freshman and enjoy your college life, instead of taking out a loan as soon as you enter the school gate. So why do poor families do this? Tell you what, please give up your position at once and give it to those who really want to borrow money to study. Of course, it does not rule out that some people are rich and want to apply for these things. Your parents invested in this project in the hope that if you have income, your living expenses at school will increase every month. When you come out to work, you will understand that money is hard to come by, because it is not cheating or stealing, and the loan has to be paid back. Then why didn't you feel trouble when using the credit card? Is it easy to get money? Think for yourself ... not telling others, but teaching you to make full and rational use of limited resources and go through more procedures. .....