“Zheng, a 1996 girl who has just entered the society and is in the internship period, has a monthly salary of 3,000 yuan and average family conditions. However, in order to compare with her colleagues, she used multiple credit cards to pay the down payment for a car, amounting to as much as 60,000 yuan";

"Li, a college student who borrowed 500 yuan for the first time and ultimately owed 30,000 yuan to an online loan platform, had no ability to repay and, under pressure from debt collectors, finally confessed to his parents";

There are many similar news, and the more serious ones are those who committed suicide by borrowing online loans in desperation. It is a pity that they went astray.

The starting point of no return is mostly from contact with "campus loans".

The two main methods of campus loans are the "cut-off interest" principle. For example, if you borrow 10,000 yuan and the agreed interest is 5 cents, you will actually get only 9,500 yuan, but you have to borrow 10,000 yuan. to repay the principal and interest;

and the principle of "repay when you say you want to receive it", that is, the repayment interest rate can be raised at will and the repayment cycle can be shortened at will. The platform has the final say. When you fail to repay the money, they will harass your family and friends with phone calls, and may even expose the "nude photos" you provided when borrowing money, making your life a mess.

In the campus online loan platform, college students only need to submit information online, pass the review, and pay a certain handling fee, and then they can easily apply for a credit loan to use for advance consumption.

Some students have small debts. They only borrow from one or a few platforms and are able to pay off the loans with their own living expenses;

Some students have very high debts. , they borrow money on multiple platforms, demolishing the east wall to pay for the west wall. It is precisely because of this kind of "naked loan" that the campus has become a harvesting ground for online loans.

Many online loan platforms provide convenience for college students to borrow money, which invisibly stimulates their desire to consume.

When new styles of cosmetics, sneakers, and mobile phones are released, you must buy them in installments if you can. I often get together with my classmates every three days or five days to exchange favors. Of course, there are also There are expenses such as smoking and love affairs.

In fact, if we summarize all aspects, our monthly expenses completely exceed the living expenses provided by our parents.

However, low-threshold loans and advanced consumption concepts leave them with no concept of consumption and no idea of ??how much money they have in their pockets.

At the same time, the platform’s lax approvals and loan quotas that exceed personal repayment capabilities create hidden dangers for borrowers.

There are 175 million people born in the 1990s in the country, and the average debt per capita is nearly 130,000 yuan. While installment payment is cool for a while, the snowball of installment debt may become bigger and bigger.

Don’t indulge your desires too much when you are young.

This tweet was inspired by the hot search #我和我的十大holiday bills, spending the feeling of the Spring Festival#.

People who have received a salary increase will give up using Huabei and credit cards, not to mention students who have no income?

Before consuming, ask yourself: "Why are new products so attractive to me? Is consumption beyond my ability really worth it regardless of the consequences? Am I materialistic or ignorant?"

Reduce unnecessary consumption in life, try to sort out your finances, develop a reasonable spending plan, and do not overestimate your self-control.

Do as much as you have and live in the present. If you just blindly "consumption ahead of schedule", have you ever thought that you will regret it in the future?

You can buy luxury goods, but you cannot borrow money to buy them, and you cannot accept "gifts" from others for no reason. What you want must be obtained through formal channels.

Zweig said in "The Beheaded Queen" that "she was too young at that time and did not know that all the gifts given by fate had already been marked in secret."

The most important thing as a student is to study, and not to squander your youth and RMB (a detour for the rich second generation).

Students who are exposed to online loans should inform their parents as soon as possible to keep the matter under control; students who have not been exposed to online loans should not take it at all and enjoy their campus life in a down-to-earth manner. Arm yourself with knowledge and don’t let yourself become a debt collector in the future.