A junior girl who borrowed a campus loan and can t afford to pay it off and wants to drop out of sch

OK. It is also possible to apply for a leave of absence, which is best to complete your studies. Moreover, it is recommended that if your own economic ability is insufficient, you should improve your consumption concept.

Yes. If you're really desperate, this is not a bad option, but then your future will be ruined.

No. You can confess to your family and ask your family to help you pay it back first, and then make money to pay them back when you graduate. After all, in today's society, academic qualifications are still very important, and you are about to graduate, don't give up.

No, but you can choose to work and study part-time, which can not only complete your studies, but also pay off the campus loan.

No, you must tell your parents in time, apologize to your parents, and your parents will pay you back.

1. Explain the situation to the contact person in your address book before the deadline, and be mentally prepared to be collected, otherwise you will be at a loss and resentful when you receive **. So, instead of letting the collector say it, it's better to confess it yourself, and of course you can also say that you leaked your information. In short, be sure to inform them in advance, so that they can insist that they don't know themselves when they receive **, which may reduce the harassment they receive to a certain extent.

2. If you don't owe much, confess it to your family. Don't feel embarrassed to save face, you must know that the later you confess, the greater the impact, and you may have to pay back an extra day if you delay it for a day. So confess to your family and try to get their understanding.

Although they may beat you and scold you, I believe that they will face and bear it with you in the end.

3. Obtain a credit report on the cloud check data and other advanced platforms, check your overdue records, and classify your online loans, formal and informal, on credit and on non-credit information. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

4. If you feel that your family can't help you, and you don't want your family to help you repay the money, then there is only one last way to go, and that is to force you to go ashore. Forced ashore does not mean that all online loans will not be repaid, and the money still has to be repaid, but it is just a question of how, when and how much to repay. Since you really can't repay the loan for the time being, it's better to stop paying it all for the time being, and let yourself return to normal life and work hard.

Otherwise, if you keep taking out loans to support your loans, you can't even pay the most basic interest, so how can you go ashore?

Some students may have borrowed some online loans because of their advanced consumption during school, and when there is no way to repay the online loans, everyone will be very panicked. As a result, some students will think about dropping out of school to work, which is very wrong. Parents follow us to college, but also to allow us to have a career, if at this time everyone chooses to drop out of school to work, parents will be very angry.

You may wish to tell the parents the truth, and say that you have done wrong, and apologize honestly, so that the parents will forgive us.

If you choose to drop out of school to work, then your parents will definitely be very disappointed, and your parents will be very sad, you may wish to make it clear to your parents, and then apologize to your parents, so that your parents can forgive us, you should also control yourself, don't always go ahead of consumption, there are many college students who see others wearing famous brands, and they also want to wear famous brands, but what if they don't have money? So they will choose to borrow a campus loan, which is very incorrect.

I hope that every student can know what age and what to do. If you are still in school, then I suggest that you do not choose to compare with others, because some classmates are indeed wealthy, and we can't compare with others at all. Tell me that if you want to compare yourself with others, it will also lead you to the abyss, so I also hope that you can recognize yourself correctly.

Dropping out of school to work at home is bound to be a wrong thing, and it will also have a very big impact on yourself. For parents, their hard work is nothing more than for their children, so when we borrow money, we can also choose to explain to our parents and ask them to forgive us. I also hope that everyone can understand these problems, and I hope that everyone will be able to learn to refuse to compare and refuse campus loans.

If this practice is not good, it may affect your studies, and you still need help from your family to avoid bigger problems.

Square peg. Even if you are going to go out to work, you should tell your parents not to lie to your parents, otherwise you will end up worrying and anxious.

It's not very appropriate, at this time, you can explain some conditions to your family, and take some time to work to make money, so that you are very responsible for yourself.

The results are as follows: 1. If the other party files a lawsuit in the court and adopts a passive evasive attitude and does not respond to the lawsuit, the court may try the case in absentia. After the judgment takes effect, if the college student still does not repay the loan, the other party can apply to the court to enforce it.

2. If college students do not cooperate with the court when enforcing the judgment, they will be included in the court's list of dishonest judgment defaulters because they do not perform the effective judgment of the court in a timely manner, that is, the "old man list", which will have a bad impact on all aspects of college students' study, work and life.

Extended information: 1. Campus loan refers to the behavior of students borrowing money from formal financial institutions or other lending platforms. In April 2016, the Ministry of Education and the China Banking Regulatory Commission (CBRC) jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Campus Non-performing Online Lending, which clearly requires all colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for campus non-performing online lending, and at the same time, establish a response and disposal mechanism for campus non-performing online lending.

On September 6, the Ministry of Education issued a clear statement that "the campus loan business will be banned, and no online lending institution will be allowed to issue loans to college students."

On September 4, People's ** published an article on "Leaseback Loans, Job Loans, Training Loans, and Entrepreneurship Loans on Some Campuses".

4. The market for campus loans is mainly divided into ants.

Second- and third-tier cities, when.

Some families in third- and fourth-tier cities and rural areas cannot afford their children's financial needs for urban consumption, study or even entrepreneurship, and the rapidly expanding desire to consume will prompt students to find loan platforms through various channels, even private loan sharks. Objectively, the emergence of campus loans has squeezed the "capillary" type of offline usury.

5, the supervision of the posture of stricter has become the consensus of the industry, in addition to the special rectification, Shanghai, Shenzhen, Chongqing, Guangzhou and other local industry self-regulatory organizations have successively issued a "ban", on August 24, 2016, the China Banking Regulatory Commission also clearly put forward the use of "stop, move the ear, rectification, teaching, introduction" five words of the policy, rectify the problem of campus loans. Under strong pressure, many platforms involved in campus loan business are seeking to transform or exit.

On February 28, the Guangdong Financial Affairs Office issued the Notice on Implementing the Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries, which came into effect on March 26, 2018 and is valid for 3 years.

7. According to the requirements of the notice: carry out the rectification of campus online loan business, suspend online lending institutions to carry out online loan business for students at this stage, and gradually digest the stock business; If the local financial regulatory department discovers that the main office of an online lending institution is inconsistent with the domicile registered in the business license, it shall notify the administrative department for industry and commerce; After receiving the notification, the administrative department for industry and commerce shall dispose of it in accordance with the law.

1. If the inability to repay will face the consequences of the court, it is recommended to actively negotiate with the creditor to strive for a delay in repayment. Creditors will also sue you and then apply for enforcement of your property. 2. In cases where there is the ability to refuse to enforce the judgment or ruling, the crime of refusing to enforce the judgment or ruling is suspected of being the crime of refusing to enforce the judgment or ruling of the Criminal Law Article 313 [Crime of refusing to enforce the judgment or ruling of the people's court] where the judgment or ruling of the people's court is capable of being enforced but refuses to do so, and the circumstances are serious, is to be sentenced to up to three years imprisonment, short-term detention, or a criminal punishment.

3. If there is no property in his name that can be executed and he refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report, and he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

1. Bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high.

It is not uncommon for college students to borrow thousands of yuan on campus loan platforms and have not repaid tens of thousands of yuan for several months after being overdue. Therefore, if you have the ability to repay the loan on time, you should never overdue. Of course, those who don't care about "that little money" can feel free.

2. Bear the fancy collection of the platform. Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it. Third, facing a national crisis of confidence. At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other.

If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports. Let the people of the whole country know that these "old fools" borrow money and do not pay it back!

Of course, except for those who owe money in bad faith, the average borrower will not go this far. Fourth, the People's Bank of China's credit report produces stains. At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend.

In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on. 5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

Introduction: When it comes to loans, everyone should be familiar with them, many young people are now spending ahead of time, but after spending, they find that they are unable to repay. Such a situation is not rare, but I hope that everyone can repay the loan after borrowing, otherwise it may affect personal credit problems, and you must find a way to repay it after you find yourself borrowed.

If you need to borrow within your ability, there are some people who just want to borrow, but never consider repaying the matter, you must know that now all the loan software and personal credit platform are networked, if there is no overdue behavior, they will come to collect, and on the credit **, for the future to buy a house and a car will have some impact, especially college students, your future is still very long, if you borrow 30,000 yuan, then go to find a job, and work hard to pay back the money, However, I feel that I can't finish it for a while, so I find my relatives and friends, find my parents to borrow money, pay him back first, and then go to work after repayment, and slowly repay their money, so that the interest is less than the loan.

Learn to consume rationally, although the current society is very exciting, there are a lot of things, but when buying things, be a little more rational, don't think they say very good, they all have to buy home, or they can't control their desires, you must know that this situation will suffer a big loss, because their collection methods are very bad, the first is to send a text message to ** door-to-door collection, and may even make trouble to your school to your unit For yourself, the negative impact is relatively large, Rational consumption. In addition, try to go work-study when you are in college, which is a guarantee for your own life, and also give yourself more choices to improve your quality of life. It cannot be said that you only enjoy, but it does not exist without giving.