Recently, the Beijing Regulatory Bureau of the State Administration of Financial Supervision and Administration issued a reminder to be vigilant against illegal "campus loans", identify illegal appearances, and jointly protect the healthy growth of student groups. Illegal 'campus loans' often come in various disguises when entering campuses. In the cases disclosed by regulatory authorities, illegal online lending institutions often attract traffic through e-commerce platforms, social media platforms, and even local life service platforms, giving illegal "campus loans" various forms of disguises such as "training loans", "beauty loans", "leaseback loans", "brushing loans", "job seeking loans", etc., which are extremely confusing. College students lack social experience, have relatively weak discernment abilities, and lack basic financial knowledge and risk awareness. Illegal online lending institutions take advantage of these weaknesses, some signing contracts with written amounts far exceeding the actual amount received by students, while others lure students into signing blank contracts and then filling in unfavorable terms for them. Illegal online lending institutions also use the gimmick of "no collateral, high limit, low interest rate" to intentionally lower the threshold and induce students to overconsume, overspend, and blindly borrow through induced marketing. Some students are subjected to illegal debt collection due to their inability to repay their debts. In the face of illegal "campus loans" invading campuses, it is necessary for multiple parties to work together as the "gatekeepers" of campus financial security. Major universities should increase the construction of campus network information security and filter out illegal advertisements on campus; Establish a network security warning mechanism, smooth feedback and communication channels, timely and effectively grasp the status of campus network information, increase professional and technical personnel to strengthen network monitoring, and purify the campus environment. Financial regulatory authorities need to further regulate the financial market and strengthen effective supervision of financial activities of college students. To create a safe, good, and healthy environment on campus, public security organs need to increase the investigation and punishment of relevant illegal and criminal activities in accordance with the law, crack down severely on criminal activities carried out in the form of financial fraud against college students, and build specialized teams to prevent and deal with financial fraud. Block the side door while opening the main door. More financial institutions need to actively launch standardized and customized financial products and services based on the reasonable needs of college students, such as consumption ability, debt repayment ability, etc., for their consumption, entrepreneurship, and training needs. Students should establish a scientific and rational consumption concept. College students should cultivate good consumption habits, live within their means, plan their daily expenses reasonably, and avoid excessive consumption. If there is a need for funds, it is necessary to communicate with parents in advance, carefully evaluate one's own repayment ability, apply for student loans, scholarships, etc. from the school, or consult and handle business through legitimate licensed financial institutions. College students must carefully read the contract content before applying for a loan, clarify important information such as loan amount, interest rate, repayment method, etc., and ensure that the contract terms are legal and reasonable. If you accidentally encounter illegal "campus loans" infringement, you must remain calm, immediately report to the police, explain the situation to parents and teachers in a timely manner, retain relevant evidence such as loan contracts, transfer records, and collection information, and use legal weapons to safeguard your legitimate rights and interests. (New Society)