1, college students generally have no assets, such as houses and cars. And the bank interest is about a few percentage points lower, but the bank can't lend it.

2. Some financial institutions other than banks can also lend money. Every city has many small loan companies, that is, small loans. The amount is generally between 2-30W, but the interest is extremely high. There is no loan with a comprehensive interest below 2 points, and the monthly principal and interest are equal, which is unacceptable from the perspective of ordinary people, not to mention college students.

No matter how short of money you are, you should consider your repayment ability before lending.

Only on behalf of personal views, don't spray if you don't like it, thank you.