警惕校园网贷陷阱，守护青春财富

Core Viewpoint - The article highlights the increasing prevalence of illegal campus online lending activities that exploit students' financial naivety and urgent consumption needs, leading them into debt traps that threaten their mental health and academic progress [2]. Group 1: Zero-Threshold Loans - Illegal lenders use advertisements claiming "zero-threshold loans" to entice students, often requiring them to repay amounts significantly higher than what they receive [3]. - Tactics include high service fees deducted upfront and extremely short repayment periods, which lead to exorbitant interest rates [6]. - Students are often coerced into borrowing from other platforms to repay initial loans, resulting in escalating debt [6]. Group 2: Order-Fraud Loans - Students are lured into "order-fraud" schemes, where they are promised high earnings for completing tasks, leading them to take out loans that they must repay without receiving any actual income [8]. - Initial small payments create a false sense of security, but the lenders eventually disappear, leaving students responsible for the full loan amount [11]. Group 3: Beauty Loans - The "beauty loan" scheme ties cosmetic procedures to high debt, with students misled into believing they can repay loans through part-time work that turns out to be a scam [13]. - The loans often come with hidden fees and high-interest rates disguised as "no service charge" offers [15][16]. Group 4: Campus Loan Cancellation Scams - Scammers impersonate customer service representatives, claiming that students need to clear their campus loan accounts to avoid negative impacts on their credit scores, leading to fraudulent transfers [18]. - These scams utilize psychological tactics, such as creating a sense of urgency and fear regarding employment prospects, to manipulate students into transferring money [21].