College students' loan consumption has become a popular trend, because most college students have used or even are using loans for consumption. This can be said to be a very bad social atmosphere, because college students don't belong to high-consumption groups. If they don't have enough money, they can choose to work to earn living expenses. Because college students are adults, they can also work to earn money. However, not all college students belong to the type of work-study program, and most college students don't know how difficult it is to earn money.

First, it is difficult for college students to form the habit of saving money in advance. It is actually a good habit to save some money for a rainy day, because it can make you not worry about money when you are in trouble. However, nowadays college students spend far more money than many people think, but most of the money they spend is not for study and life, but to satisfy personal vanity. So we can see that some college students borrow money to buy some expensive luxury goods, but college students often ignore that they don't need to decorate themselves with luxury goods at this age to reflect their value.

Second, loan consumption will make college students owe huge debts. At present, there are often news that college students owe huge online loans. The main reason for this news is that college students do not have strong economic repayment ability, and the general interest rate of loans is relatively high, which also makes the funds repaid by college students far exceed the loans borrowed at the beginning. There is even a lot of loan accounting interest. Once this happens, college students who are unable to repay themselves will have more debts.

Third, loan consumption will make college students lose the virtue of thrift. China has always advocated the traditional virtue of thrift, and loan consumption will make college students fall into the trap of ahead of consumption. It can be said that college students are very blind in this trap, and it will also make it difficult for college students to change this bad habit of spending ahead of time. Therefore, college students should put an end to the ideology of leading consumption, because this ideology will ruin all the future of college students.

College students are the future of China's development. If college students owe huge debts before leaving campus, their future development will become very bleak. Therefore, we also hope that the relevant departments can strictly handle and supervise the phenomenon of college students using loans. Only in this way can the future development of college students be guaranteed.