dà xué大学xīn shēng新生xiǎo xīn小心“fēn qī fù kuǎn分期付款”xiàn jǐng陷阱
Every year after the college entrance examination ends, many prospective college students look forward to a wonderful college life.
However, some students take on debt before they even set foot on a college campus.
Recently, two types of installment-payment traps have drawn public attention.
The first is the “training loan.”
Some organizations post part-time job advertisements online, claiming that students can “learn and earn money at the same time.”
They persuade students to take out installment loans that allow them to “study first and pay later.”
As a result, many students not only fail to earn money, but also end up owing thousands or even tens of thousands of yuan in training fees.
The second is “consumer installment payments.”
Many new students want to buy new mobile phones and computers before school starts.
Some sellers promote “zero down payment” plans to attract students with no income to pay in installments.
In reality, however, contracts often hide very high interest rates and service fees, so the amount students eventually have to repay is far higher than the original price of the goods.
These debts put great psychological pressure on prospective college students.
If they cannot repay on time, it will not only affect their personal credit records, but may also cause difficulties for the whole family.
Experts and schools remind everyone: new college students do not yet have a stable income, so they should try not to take out installment loans.
If they need to buy expensive study supplies, they should discuss it more with their parents and spend within their means.
College is a new starting point in life. Do not let impulsive spending become a burden on your future.