What is the PHP training loan?

php trainingWhat is the loan situation?

(The following content is shared by netizens on PHP Tieba)

Exposing the inside story of training loans

I have seen a lot of negative information about training loans recently. As one of the parties involved, as a consumer who has applied for a training loan and participated in training, I would like to share with you my entire experience and summary of my personal experience.

How can I make myself In such a complex external situation, how can we tell which ones are true and which ones are false?

First of all, let’s talk about these lending institutions

In fact, lending institutions are legally legal credit institutions. If it was illegal, it wouldn't be publicized in such a big way, so you can rest assured.

However, lending institutions do not pay attention to the review of loan applicants, do not conduct detailed background checks on training institutions, and have low requirements for training institutions. I personally think that lending institutions need to reflect on this. After all, money is such an important issue, and there are still strict requirements for the age of establishment and the number of employees of the training institution.

Secondly, tell me that you

want to come for training, don’t worry about how to pay or how much the tuition is.

First you need to figure out whether you really want to learn. If you want to learn, you have to work hard and persevere. Moreover, you are over 18 years old and an adult. You must be responsible for your actions. This is the most important thing.

Again, let’s talk about training institutions

Training institutions all have their own business licenses and cannot operate illegally.

But the strength of the institution directly affects us students. Is what we learn useful? Is it really possible to find a job? Especially the comprehensive conditions of the institution determine that those of us who take loans to study will not be able to pay them back later!

Based on the above situation, let me tell you how to avoid being cheated in an environment where there are so many "traps" for training loans!

1. If you have money to pay in cash, Just don’t take out a loan, because it will definitely be more expensive than paying the fees.

This principle is easy to understand. If you use other people’s money and start paying it back monthly after half a year, the other people’s lending institutions will definitely charge you fees if they invest. But if you pay cash, you can bargain with the training institution. You can bargain, and there must be a discount.

2. How to choose a training institution

l The company must have been established for more than 5 years.

Why do you say that?

The average life span of Chinese companies is no more than 3.5 years. Many companies are still "struggling for survival" in the past few years and have not yet stabilized. Such companies must not go there. Maybe they go today and tomorrow It’s gone. Why is it 5 years? Because it takes more than a year for many companies to form their own corporate culture, their own systems, and their own platforms. So if you calculate it, a company that takes almost 5 years will be solid. So don’t listen to those salespeople telling you that the company is great, take out the business license and look at it to see if it’s true or false.

l It is best for the company to have the copyright or patent of its own training materials

Although this is not essential, it is definitely worth considering. If a company has this thing, it means that it is really developing these powerful things, and it means that the company attaches great importance to the content and update of training. This can guarantee that what we learn is useful.

l Never believe what the salesperson tells you, promising a salary of 6,000-8,000 upon leaving the company. It's all a routine.

I don’t know if you have seen the newspaper a few days ago, investigating the salaries of graduates after graduation.

For example: In Guangzhou, the salary of a college student after graduation is about 3,500. It only costs 4,000-5,000 to become a regular employee. This does not mean that you are not valuable, but that the companies outside are priced at this price. But what are the benefits after training? After training, others will earn 4,000 if they become a regular employee, and you will earn 5,000 if you become a regular employee. Also, this difference will become particularly obvious after half a year of working.

So if you go to a training institution to sign up, people say that the first job will cost 6,000-8,000. This is a capital offense and you cannot go to this institution. Deceptive sales are a cultural problem of the company and should not be dealt with at all!

l Be cautious about the repayment amount.

If you take a loan to study and pay back 2,000 a month, you definitely can’t go. If you don’t want to think about it, can you afford it? Maybe the salesperson will tell you that the salary is very high. A salary of more than 6,000 yuan is nothing if you deduct 2,000 yuan. But this is the salary after half a year. It is not that high for someone who has just graduated. Don't be so naive.

So if you really need training, you must choose one that is reasonably priced.

Finally, let me talk about my own experience

The PHP training I participated in in 2015, the probation period of the first job was 3500, and the regularization was 4500. After half a year, it was 5200, and after one year, it was 6500. It’s been 2 years now, 10,000 a month.

Of course, there are also some very good classmates in my class, and their current salary is 15,000-20,000. But I personally think this is an isolated case. Most of our classmates are similar to me.

I also took out a loan at that time. Of course, when my salary increased later, I paid it back in advance.

In fact, why many people say that training is a scam now? It’s because there are too many new training institutions that have just been established, which are disruptive. Some of the fees are outrageous.

So if you study and choose one that is strong and reasonably priced, you don’t have to worry about this problem.

Note: php Chinese website provides a large number of free, original, high-definition php video tutorials, and will hold php public welfare training regularly!

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