此外，以贷养贷、阴阳合同等非法"校园贷"的主要套路，也在这则风险提示中被重点介绍。 北京金融监管局特别提示，若不慎陷入非法"校园贷"困境，一定要保持冷静，及时向家长和老师说明情 况，留存借款合同、转账记录、催收信息等相关证据，并立即报警，及时依法维权。 （文章来源：新京报） 新京报贝壳财经讯（记者黄鑫宇）9月17日，国家金融监督管理总局北京监管局（即北京金融监管局） 最新一期的消费者风险提示中，揭露了当前非法"校园贷"的主要套路。 其中，被摆在首位的套路即为，不法网贷机构通过电商平台、社交平台甚至本地生活服务平台引流，给 非法"校园贷"披上"培训贷""美容贷""回租贷""刷单贷""求职贷"等形式多样的外衣，极具迷惑性。 ...

Core Viewpoint - The article highlights the resurgence of illegal "campus loans" in China, posing significant risks to students' financial well-being and urging them to adopt prudent financial practices and utilize legitimate funding sources [1][2] Group 1: Risks of Illegal Campus Loans - Illegal "campus loans" are re-emerging, severely harming students' interests [1] - Some fraudulent online lending platforms lure students with low thresholds, quick processing, high limits, and low interest rates, leading to excessive borrowing and debt [1] - Students unable to repay debts face illegal collection practices, resulting in serious consequences [1] Group 2: Recommendations for Students - Students are advised to establish a rational consumption mindset, emphasizing frugality and responsible spending to avoid overconsumption and peer pressure [1] - It is recommended to apply for financial aid through legitimate channels, such as national student loans and scholarships, to ensure academic completion [1] - If considering commercial student loans, students should communicate with parents, assess repayment capabilities, and carefully review loan agreements to ensure legality and fairness [1] Group 3: Legal Protections - In case of falling into illegal "campus loan" traps, students should remain calm, inform parents and teachers, and retain evidence such as contracts and payment records [2] - Immediate reporting to authorities is advised to protect legal rights [2]