Tell me about the impact of college students owing huge online loans on their future lives?

For college students who owe huge online loans, students themselves will definitely have a lot of mental pressure, and they are also very likely to suffer from depression, which will hit their self-confidence in future work, and even be more confused about life.

Whether it is a college student or anyone who owes a huge amount of online goods, it will have a huge impact on the rest of life. This will bring huge pressure to your body and mind, and you will be sad about the huge amount of online goods you owe, which will affect your mood, and you can't focus on your studies and future career.

College students owe a huge amount of online loans, which may make him nervous about everything he does, and he may not have a good attitude, and it may also make it difficult for him to put all his heart into his work.

Life is more stressful, and it has been in the process of repayment, mainly because credit will be affected.

These online loans will not only affect the normal life of you and your family, and live in the shadow of repaying the money for the rest of your life, but also be detrimental to your future work, because it will create a blacklist that will remain in your personal information forever.

I think the impact is very big and may ruin a person, so I recommend communicating more with parents.

In the future, you can't spend money as you like, and you have to always think that you owe money and haven't paid it back, and you may embark on an illegal road in order to repay the money, which will not only affect your studies, but also waste your life.

Once a college student gets into an online loan, it will take a long time to repay it, because the interest rate of the online loan is very high, the interest rate is very fast, and it is a bottomless pit, once it is not paid off, it will have self-doubt about itself, and even feel negative about life.

Owing a huge amount of online loans will affect your creditworthiness, whether it is travel or loans, it will bring economic pressure to your future life, and there will be psychological shadows.

For example, if you pay off the online loan every month, you may have no money left, and you may have nearly 20 years, and you will not have savings and will have to rely on your family.

It will have a huge impact in the future, you think, if you take out a loan in the future, it will definitely be very troublesome to have such a bad reputation, you are just for the convenience of the moment, don't you think of the inconvenience in the future.

After owing a huge amount of online loans, they will keep urging you to repay the money, forcing you to repay the money in various ways, at this moment, do you think you still have the mood and energy to do what you should do, which in itself is a huge impact on your life.

It will definitely have an impact, not only will it affect your reputation, it will be difficult to find a good job, it will also affect your mood, and it will be difficult to be happy again, so it seems that this incident will have a big impact on your future life.

Legal analysis: the consequences of online loan repayment: credit will be damaged, and being included in the blacklist system will affect personal credit; penalty interest and liquidated damages, statutory interest and liquidated damages; Bear the platform's fancy collection, if it is overdue for a long time, the platform may also file a lawsuit.

Legal basis: Article 675 of the Civil Code of the People's Republic of China The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Consequences of repaying online loans: credit will be damaged, and being included in the blacklist system will affect personal credit; penalty interest and liquidated damages, statutory interest and liquidated damages; Bear the platform's fancy collection, if it is overdue for a long time, the platform may also file a lawsuit.

1. Will I be sued if I can't repay the online loan?

If you can't repay the online loan, you can sue the court to ask the court to judge the repayment of the money, and if the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it may constitute the crime of fraud.

On top of that, you don't have to incur high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards.

Withstand the fancy collection of the platform.

Moreover, personal credit will produce stains, and credit reports will affect actual life after the sail search, and there is no way to get a loan if you want to buy a house, and there is no way to mortgage if you want to buy a car, etc.

2. If the husband's credit card is overdue, the wife's property will be seized.

It is still possible for the husband's credit card to freeze the marital property, but the wife's bank account will not be frozen, because part of the joint property of the husband and wife belongs to the husband personally, and in the process of the bank pursuing the husband's arrears, it is very likely that the court will apply to the court to take necessary preservation measures, so it is possible to freeze the joint property of the husband and wife first, and it may be a joint debt in itself.

Late credit card payments will have the following effects:

1. Interest and late fees are incurred. Interest generally refers to the full penalty interest, which means that even if the customer repays part of the payment, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at 5/10,000 per day. Late payment fee refers to the "late fee" charged for the unpaid part of the minimum repayment amount when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due date of repayment of the credit card.

The proportion of late payment penalty shall be uniformly set by the People's Bank of China, which shall be 5% of the outstanding part of the minimum repayment;

2. If the repayment is overdue for more than 3 times, you can apply for a credit card but the amount is very small, or you can take out a loan but the interest rate is very high;

3. Bad credit records. If you are overdue for more than 6 times and fail to repay one of them, you will be blacklisted by the "personal credit reporting system" of the People's Bank of China, and being on the blacklist may have an impact on work, school, and going abroad. Don't think that it only affects you, but also your spouse and children.

At that time, there is no regret, and the credit report does not believe tears;

4. Bear criminal responsibility. If the card issuer fails to repay the loan within the time limit, exceeds the prescribed limit or period, and the card issuer fails to repay it for more than 3 months after two calls, it is characterized as a "malicious overdraft".

Article 675 of the Civil Code provides that the borrower shall return the loan within the agreed time limit.

Where there is an agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

A sophomore in Anqing, Anhui Province hanged himself at home, and many people felt embarrassed after this incident was announced. Young life is so precious, why commit suicide? Many people don't understand.

When relatives looked at the student's belongings, they found that there were multiple online loan platforms on his mobile phone, and what was even more surprising was that there were many text messages on the phone calling for loan repayment. Although this incident has been investigated at present, we can vaguely see that the student may have actually committed suicide due to the heavy pressure of online loans.

First, it is a big blow to parents.

The student died suddenly, ending his young life, which was a very heavy blow to his parents. Parents have worked hard all their lives, and they just want to provide for their children to study and go to college. Although the child was angry, he was admitted to university.

But in the end, he lost his life because of an online loan, which is really unacceptable to such a cruel reality. In the eyes of parents, isn't life more important than online loans? It's a pity that a fresh life fell like this because of an online loan!

Second, it is a warning to us.

Many people choose to end their lives because they can't bear the pressure from life, study, work, and emotion, but this approach is actually very irresponsible. At the moment when we gave up on life, did we ever think about how our parents would live in the future? Have we taken into account the efforts of our parents and we have not yet given back?

We hope that when we encounter hardships in life in the future, even if we are in debt, we should not give up lightly, nor should we commit suicide at every turn, which is actually very inappropriate. I hope this boy's incident can give us a warning.

3. I hope that students can be more self-disciplined.

Although online loans may have become the fuse for this student's suicide, I personally feel that it was his lack of self-discipline that led to the deeper and deeper trap of online loans. If he didn't want to take advantage of it, maybe he could have done it at the precipice, maybe he could have been more self-disciplined and didn't consume indiscriminately, and he wouldn't have come to the point where he is today. Although online loans are hateful, a person's own character is also very important.

Legal analysis: College students who owe online loans cannot also ask for repayment through legal channels. After filing a court judgment, the court can be requested to enforce it.

Civil judgments and rulings that have taken legal effect, as well as the property department in criminal judgments or rulings, are to be enforced by the people's court of the first instance or the people's court at the same level as the people's court of first instance where the property subject to enforcement is located.

Legal basis: Civil Procedure Law of the People's Republic of China Article 224: The property portion of a legally effective civil judgment or ruling, as well as a criminal judgment or ruling, is to be enforced by the first-instance trial court or the people's court at the same level as the first-instance trial court where the property subject to enforcement is located.

Other legal documents that are to be enforced by the people's courts as provided by law are to be enforced by the people's court at the place where the person subject to enforcement is domiciled or where the property subject to enforcement is located.

One. Campus loans are usurious in nature.

Criminals target colleges and universities, taking advantage of the disadvantages of college students' poor social cognitive ability and weak psychology to carry out short-term and small-amount loans, which on the surface seems to be "small profits but quick turnover", but in fact, the interest rate obtained by criminals is 20-30 times that of banks, and they arbitrarily earn students' money.

Two. Campus loans breed the vices of borrowing students.

The economy of college students mainly depends on the living expenses provided by their parents, and if students have a comparison mentality and usually have bad habits, then the expenses provided by parents will definitely not be enough to meet their needs. Therefore, these students may turn to campus loan sharks to obtain funds, and lead to bad habits such as gambling and alcoholism, and in serious cases, they may skip classes and drop out of school due to inability to repay their loans.

Three. If the loan cannot be repaid in time, the lender will use various means to collect the debt from the student.

Some lenders will ask for items of a certain value for collateral when making loans, and they will collect copies of students' student IDs and ID cards, and they are very familiar with students' personal information, so once students fail to repay the loan on time, lenders may use intimidation, beating, threats to students and even their parents to violently collect debts, causing major harm to students' personal safety and campus order of colleges and universities.

Four. There are criminals who use "usury" to commit other crimes.

Lenders may use campus "loan sharks" to defraud students of collateral and security deposits, or use students' personal information to defraud, fraudulently obtain credit cards, etc. Please be cautious about handling "online loans" and "small loans", and do not apply for loans in your own name to others or provide guarantees for others because of the persuasion of others or being deceived by the so-called "benefit fees". If you need to apply for "online loans" and "small loans", you must consult your parents and banks to avoid being deceived.

The first batch of post-00s are about to enter the university campus, and how to stay away from online loans has become a problem.

The main hazard is not to jump off the building.

Excessive withdrawal of money for consumption, resulting in inability to pay back.

In response to your problem, the analysis is as follows:

College students, in school, do not have a stable and fixed income**, if they can't repay the online loan on time, they are all disturbed by all kinds of collection information, not to mention the impact on learning, but also affect the outlook on life and value orientation, more people are spending their parents' money, and not every family's parents earn money for their children's education easily, some are very difficult. There are pros and cons to college students' online loans, it is better to provide loans by the formal institutions of the national bank is more reliable, there are many intermediaries outside, and the rate is also high, which invisibly puts a lot of pressure on college students, and the preferential loans provided by the state can be set for a longer period of time, or give preferential treatment in the rate, and repay it within the specified period after work, which is better. Nowadays, college students' online loans are chaotic, and opportunities and harms coexist.

The harm and severity of online loans for college students are very great.

1. Legal Risks

College students often don't have a stable financial situation** and the ability to repay, so it's easy to fall into a situation where they are late on their payments or even default. This will lead to legal disputes, damage to personal credit, and negative impact on future developments.

Second, high interest costs

Due to the lack of credit rubber endorsement and adequate borrowing preparation, college students often face higher interest costs on online loans. High interest rates can increase the burden of repayment, exacerbate financial stress, and may even lead to the inability to repay debts.

3. Financial difficulties

College students are prone to financial difficulties because they often do not have sufficient financial knowledge and experience to manage their borrowings. Borrowing too much can lead to income not covering daily expenses and can lead to difficulties in life, further affecting academic and personal development.

Fourth, the risk of online fraud

As the main force in the Internet era, college students are more likely to be the target of online fraud. Some criminals take advantage of college students' demand for quick borrowing to carry out online fraud through false information and inducements, resulting in the loss of college students' property.

5. Psychological pressure

The psychological pressure caused by the problem of online lending cannot be ignored. College students may face negative emotions such as anxiety, panic, and low self-esteem during financial difficulties, and may even trigger mental health problems, which can have a serious impact on their studies and lives.

6. Affect interpersonal relationships

Financial problems can have a negative impact on college students' interpersonal relationships. Unable to make payments on time or financially struggling, they may experience misunderstandings from friends, breakdown of intimate relationships, and social isolation and psychological isolation.

7. The problem of confirming rights

There are common problems in confirming the rights of college students' online loans. In the event of a dispute, college students often do not have sufficient ability and resources to protect their rights due to their relatively insufficient understanding of the legal provisions and rights protection methods, resulting in the inability to protect their rights and interests.

8. Summary

1. The harm and severity of college students' online loans are manifested in legal risks, high interest costs, financial difficulties, online fraud risks, psychological pressure, interpersonal relationships and rights confirmation problems.

2. In view of these problems, college students should enhance their financial knowledge, borrow prudently, avoid over-reliance on online loans, improve their ability to identify online fraud, and seek help and advice from professional institutions in a timely manner. The most important thing is to cultivate the right consumption concept and rational borrowing habits to protect your financial stability and personal development.