Despite having a monthly living allowance of 2000 yuan, Yang Yun, a freshman student studying in Hefei, Anhui Province, has still been living very hard in the past six months. Because 880 yuan is going to be transferred to a small loan platform, she didn't even handle the loan herself. The monthly payment of 880 yuan, 12 installments, totaling 10560 yuan, is the "tuition fee" for the online original painting training course that Yang Yun signed up for. After listening to a live class, Yang Yun signed a loan agreement step by step with the encouragement of the training institution's "teacher". A few days ago, Yang Yun, who had repeatedly applied for refunds but failed, submitted a complaint through a lawyer to the National 12315 Platform and the National Petition Bureau, and is currently waiting for the results. The training institution did not respond to her complaint. Yang Yun's experience is not an isolated case. A survey by a reporter from China Youth Daily and China Youth Network found that many inexperienced college students are attracted to various online training courses, such as painting, PS, editing, dubbing, etc. They can easily learn from scratch, taking orders while learning. Institutional teachers introduce resources, and earning over ten thousand yuan per month is very simple... For college students who do not have savings, many training courses also advertise "learn first, pay later" and "interest free installment", The small loan platforms behind it are even more diverse. On March 30, the China Consumers Association and the Central Committee of the Communist Youth League issued a consumption warning, reminding young student consumers to rationally consider ahead of time consumption, prudently select loan institutions, and avoid falling into the trap of non-performing "campus loans". Many universities have generated "leeks" that unscrupulous businesses are closely monitoring and harvesting. Why did they fall into the trap step by step? In late August of last year, Yang Yun, who was about to enter university, was guided step by step by the principles of "study first, pay later" and "interest free installment" to take out a loan. He was contemplating finding a side job and said, "After entering university, there is no need to ask for money from his parents. Occasionally, she browsed an original painting course recommended by a WeChat official account. She was attracted by the conditions of "part-time" and "pay after learning", and added the WeChat of the course leader. After introducing the course, the person in charge invited Yang Yun to participate in the live broadcast public class that day. Yang Yun recalled that during the open class, she introduced many different styles of original painting creation and the promotional activities she registered for that day, which made her moved. But for the high tuition fees, as a student, she cannot bear them on her own, and parents should not agree to spend so much money on learning to draw. In the chat record provided by Yang Yun to the reporter of China Youth Daily and China Youth Network, the person in charge detailed the method of "learning while earning" to her: "The tuition fees are all installment interest free, and the first installment will only be paid next month. We also have outsourcing and internal promotion, learning while earning. You can also start from the lower class first, and then take orders to earn money before upgrading." Immediately, he applied for a discount of "100 yuan free pre order fee" for Yang Yun, She was asked to fill in the "enrollment information", including name, highest education background, QQ number, mobile phone number, ID card number, mobile phone number of emergency contact person, etc., and noted that "the information is only used for registration of students, not for other purposes". He said don't worry about the cost issue. I said I don't have the money to pay the deposit, and he even helped me apply for a free pre order fee. I really believed it at the time, and I thought there was such a good company. "Yang Yun told reporters that after she confirmed that she wanted to register, the person in charge