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Core Viewpoint - The resurgence of campus loans has led to significant financial distress among university students, with many falling into debt traps due to high-interest loans and aggressive collection practices [1][4][9]. Group 1: Loan Practices and Impact - Many students are lured into taking loans through targeted marketing on e-commerce and social platforms, often resulting in annual interest rates exceeding 24% [4][9]. - A significant number of students report being overwhelmed by relentless collection calls, which severely disrupts their academic and personal lives [3][4]. - The phenomenon of students signing non-student declarations to obtain loans highlights the challenges in accurately identifying borrowers [7][8]. Group 2: Regulatory Environment - Despite regulations prohibiting loans to students, some lending institutions continue to target this demographic, often using loopholes to bypass restrictions [6][9]. - Regulatory bodies have issued multiple notifications to prevent lending to students, emphasizing the need for financial institutions to adhere to risk management protocols [4][10]. Group 3: Risk and Compliance Issues - The lending practices of some institutions pose both compliance and ethical risks, particularly for students without stable income sources, leading to potential over-borrowing [5][9]. - Many lending platforms lack effective identity verification processes, making it difficult to prevent loans to students [10][11]. - The drive for profit in the student loan market has led to some institutions engaging in questionable practices, including hidden fees and high-interest rates [9][10]. Group 4: Recommendations for Improvement - Financial institutions are encouraged to enhance identity verification technologies and implement stricter controls on lending practices to mitigate risks associated with student loans [10][11]. - There is a call for better management of partnerships with third-party platforms to ensure compliance with regulations and protect vulnerable student borrowers [10][11].