Core Viewpoint - The article highlights the deceptive practices of certain skill training institutions that lure consumers with promises of high-paying jobs and flexible payment options, ultimately leading to financial disputes and complaints related to "training loans" [1][5][12]. Group 1: Consumer Complaints and Trends - In the first half of 2025, consumer complaints received by national consumer associations totaled 995,971, marking a year-on-year increase of 27.23% [2]. - The financial services category saw a significant rise in complaints, with 7,564 cases reported, up from 1,882 in the same period of 2024, indicating a shift in consumer concerns [4][5]. - The education and training services category accounted for 44,126 complaints, representing 4.43% of total complaints, an increase from 3.92% in the previous year [3][4]. Group 2: "Training Loan" Scheme - The "pay after learning" scheme is identified as a method to induce loans, where institutions promote the idea of "part-time jobs to repay loans," misleading consumers into signing loan agreements without full awareness [1][5][12]. - Many consumers, particularly students, are misled by false promises of guaranteed income and are often unaware of the loan applications they are signing [5][12]. - Complaints reveal that institutions often provide vague contract terms, making it difficult for consumers to understand refund conditions, leading to high penalties for contract termination [5][12]. Group 3: Regulatory Insights - Regulatory bodies have previously warned consumers about the "training loan" traps, emphasizing the need for awareness regarding high-interest loans tied to training programs [12][14]. - The National Financial Supervision Administration has mandated that financial institutions improve consumer rights protection and transparency in loan agreements [14][16]. - The warning signs of "training loan" traps include false promises of job placement, bundled loans without clear disclosure, and hidden fees that exceed initial expectations [13][14].