P2P Internet loans became the vanguard of opinions after a college student from Henan committed suicide after accumulating loans but was unable to repay them.
随着近日河南一名大学生因无力偿还贷款而自杀，P2P网贷被推到了舆论的风口浪尖。
Zheng Dexing died on March 9. The college student from Henan province committed suicide after accumulating loans worth 589,500 yuan ($91,000) to pay for his gambling addiction.
郑德幸于3月9日去世。这名来自河南省的大学生因赌博累计贷款589500元（折合美金91000元）之后选择自杀。
More and more college students are turning to those loans, which are used to travel, go shopping, or start businesses, as online financial services have made it very easy for students to get the loans.
由于在线金融平台为学生提供门槛极低的贷款，如今越来越多的大学生选择此类贷款来旅游、购物或创业。

Students from more than 50 universities were surveyed by Capital Campus Press Union in January, of the respondents, 63 percent have applied for loans online, 85 percent of which did not want their parents to be involved.
来自50所高校的学生一月份参加了首都高校传媒联盟开展的一项调查，63%的学生申请贷款，而其中85%的人不希望他们的父母参与进来。
However, experts point out that college students are immature when it comes to money management and budgeting. Some students are borrowing more money to repay outstanding loans, resulting in a huge strain on their budget.
然而专家指出，大学生在理财、安排开支方面还不成熟，有些学生为了偿还旧债只能再去借款，造成资金紧张。
"Online loans can stimulate consumption," said Li Yuansheng, an economics professor at Fujian Normal University. "College students tend to spend more on digital devices, but lack the spare funds, this is where loans can help."
福建师范大学经济学教授黎元生表示：“网上贷款可以刺激消费。大学生倾向于在数字设备上花更多的钱，但是却缺乏资金。这就是贷款可以起作用的地方。”
However, these new lending platforms have run into some legal issues.
然而，这些新型的借贷平台正在卷入一些法律事件。
Li Yuansheng said, "College students need to understand that loans should only be used for smaller purchases, or else they will struggle. What students truly rely on are their families and schools, not loans."
黎元生教授说道：“大学生需要明白，贷款只能用于较小额度的购买，否则他们将会陷入困境。学生真正依靠的是他们的家庭和学校，而不是贷款。”