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What should I do if my classmates don’t pay back the money?

2025-11-12 12:44:26 Mother and baby

Title: What should I do if my classmates don’t pay back the money? ——Analysis and response strategies of hot topics across the Internet

Recently, discussions on “classmates borrowing money and not repaying it” have been very popular on social media and forums, especially among students and young professionals. The following is the data collection and solutions for related topics across the network in the past 10 days.

1. Statistics on hot topics

What should I do if my classmates don’t pay back the money?

platformAmount of discussions (articles)High frequency keywords
Weibo12,800+"Borrowing money without repaying it", "Classmate friendship", "Debt collection skills"
Zhihu3,500+"Legal approach" "Psychological game" "IOU template"
Douban group1,200+"Breaking off friendship", "Small loan", "Social pressure"

2. Typical case analysis

TypeProportionTypical description
Small loan (within 200 yuan)43%"I promised to return it next week, but there has been no movement for half a year."
Emergency Borrowing (Medical/Rent)29%“I borrowed 3,000 yuan when I was sick, and now I’m blocked.”
Long-term delinquency (more than 1 year)18%“Every time I urge you, I say I’m collecting money.”

3. Practical solutions

1. Prevention phase

-Clarify the loan agreement: Even if you are a classmate, it is recommended to clarify the amount and repayment time through WeChat

-Set a psychological bottom line: Evaluate the other party’s credit. If the amount exceeds 500 yuan, it is recommended to ask for an IOU.

2. Collection stage

methodeffectivenessThings to note
Private reminder★★★Avoid public situations and keep chat records
third party mediation★★☆Relay via mutual friend
legal approach★★★★Requires transfer records/IOU, higher cost

3. Suggestions on relationship management

-short term borrowing: The deadline can be relaxed appropriately, but the deadline needs to be clearly defined

-malicious default: It is recommended to avoid emotional kidnapping through campus mediation or legal means.

4. Important legal reminders

According to Article 667 of the Civil Code:

- The loan contract must be clear: currency, amount, term, interest rate

- The statute of limitations is 3 years, starting from the agreed repayment date

- WeChat chat records can be used as evidence, but the original carrier must be kept intact

Conclusion:When dealing with debt relationships, you must not only protect your own rights and interests, but also consider the sustainability of the interpersonal relationship. It is recommended that students establish a sense of "borrowing credit" to avoid damaging the precious friendship between classmates due to money issues.

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