六级口语：online borrowing ways to cover one's expenses
Online borrowing, a new form of finance, which is convenient, easy and efficient, is popular in college. However, it has also resulted in many problems to college students. There are many news about how some college students are tempted to borrow money online to buy things they can’t afford or actually don’t need just to satisfy their vanity. As the online money has higher interest rates, once they are failed to repay their debts, they will end up with bigger debts. Therefore, some strategies must be taken to solve this problem. First, students are supposed to recognize the importance of personal credit. Honesty and trustworthiness always counts in their life, as well as in online borrowing. Secondly, students should cultivate a right value on consumption. They should reasonably spend money, rather than waste money for unnecessary things. Thirdly, it is advisable for schools to pay attention to this phenomenon and conduct some campaigns to guide students in the right way.