2. The risk of usury. Illegal lending platforms often take advantage of college students' lack of legal knowledge, promising low or zero interest before lending, but charging high interest to students for various reasons after lending.

3. Risk of violent collection.

4. Personal credit risk. Credit record is an important reference for personal credit. Personal loans overdue for three months will be included in the credit report and become a stain on personal credit.

Extended data:

We should cooperate in many ways to guide children not to borrow campus loans.

From the school's point of view, firstly, counselors should guide students' psychological problems in time. Secondly, in order to cultivate and improve college students' financial management ability, schools can offer some financial lectures and courses to help students understand financial common sense and the basic service functions of credit cards, and enhance their awareness of self-protection and law-abiding.

From the parents' point of view, we should have more heart-to-heart talks with children, pay attention to their psychological dynamics, guide them to establish a correct consumption concept, and don't let them fall into the bad habit of comparing.

Therefore, to solve the problem of campus loan, we can't cut across the board. We need coordination and efforts from all sides to solve the problem from the root. Finally, I hope we can create a "green campus" as soon as possible.