For this part, you are allowed 30 minutes to write a short essay on the topic The View on Campus Loan. You should write at least 120 words but no more than 180 words.
The View on Campus Loan
Campus loan generally refers to a loan given to a college student on the campus, but it is in essence a private loan. Some people argue that campus loan can help students get the money to cover their tuition and other expenses. However, I believe campus loan hurts more than it helps.
Firstly, the demand for such loans is high because it is relatively easy to apply for and receive. But these loans come with high interest rates and often with collateral security, such as private photographs or important credentials. In this way, students tend to fall prey to lenders. Secondly, college students have poor financial management and few sources of income, so if they borrow much money, they have to undergo great pressure, which most likely harms their mental health.
Since campus loans come with many hidden legal risks, college students had better not borrow money from lenders. They can seek help from parents or do part-time jobs if in need of money.
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