（来源：千龙网） 借400元分36期，年利率直逼36%，女子大学期间深陷"迷你贷"，催收人骚扰亲友，让她抑郁缠身。 2020年至2021年间，还在读大学的小陈因超前消费，被校园内分期乐推销人员口中的"低利息" 忽悠， 先后借了5笔，一共1.3万多元，年利率32.08%至35.90%不等。其中一笔400元竟然要分36期还。在还了 1.1万元后小陈无力继续支付，逾期超1000天，如今平台要她再还1.5万元。目前，小陈想结清贷款，但 利息太高，她希望和平台协商解决。事实上，国家早就明令禁止网贷平台向大学生放贷，利率超当时的 LPR四倍更是高利贷，本身就不合法！要斩断这把收割年轻人的镰刀，必须从严监管、严厉追责。 ...

Core Viewpoint - The article highlights the alarming rise of online lending among university students, leading to severe financial and psychological consequences, despite regulatory efforts to curb such practices [1][5][6]. Group 1: Online Lending Issues - A significant number of university students are falling into debt traps due to online lending, with reports indicating over 5000 cases of students seeking redress for loan issues [1][5]. - The average annual interest rates for online loans can range from 15% to 36%, often obscured by various fees, leading to a much higher effective cost for borrowers [11][12]. - Many students are unaware of the true costs associated with these loans, as platforms often use misleading marketing tactics to attract borrowers [9][11]. Group 2: Regulatory Challenges - Despite multiple regulatory attempts since 2016 to ban online loans to students, the industry has adapted, continuing to operate under different guises [5][23]. - The lack of a centralized regulatory body and clear definitions around key concepts like "excessive borrowing" allows online lending platforms to exploit loopholes [23][24]. - Platforms often bypass regulations by not actively verifying student status, allowing them to lend indiscriminately to young borrowers [24]. Group 3: Psychological and Social Impact - The psychological toll on students is significant, with many experiencing severe anxiety and depression due to unmanageable debt [1][5]. - The financial burden often extends to families, as students may rely on parental support to repay loans, creating a cycle of financial strain [20][21]. - The article emphasizes that university students, despite being legally adults, lack the financial literacy and experience to navigate these lending traps effectively [16][20].

Group 1 - The Central Committee of the Communist Party of China issued regulations on the procedures for discussing and deciding on disciplinary actions against party members [1] - The Ministry of Education and the Publicity Department initiated a nationwide reading campaign for young students [1] - The Ministry of Culture and Tourism conducted a second round of safety inspections in the cultural and tourism sectors [1] Group 2 - The Ministry of Public Security reported the arrest of 13,000 suspects involved in environmental crimes from January to April [1] - The National Student Financial Aid Management Center issued a warning against illegal "campus loans" [9]