<div>As we know, there is an increasing number of apps for illegal loans. Lots of college students were drawn into them. Therefore how to avoid illegal loans?</div><div>As students, the majority of us don't have any economic income. So first of all, we should restrain ourselves from excessive consumption. I hold the view that it's fundental to avoid illegal loans. As an adult, we have already had the responsibility to know about our circumstance, consider our parents, and make the decision by ourselves. Only if we spend wisely, we should have a wonderful college. Second, the government should take relative policy. As a result, it must crack down illegal apps, and punish the merchants according to the law. Last but not least, illegal apps should have public morals. The manipulator should know how to earn money lawfully, and what they do is so unscrupulous and hurtful.</div>