Many job seekers fall into this trap, not only failing to find a job, but also repaying their loans on time, which is miserable. Some institutions use the gimmicks of "package employment", "high salary" and "refund if you can't found a job" to induce job seekers to borrow money for pre-job training.

In May 2022, a job seeker, Zhang Haoyu, told the reporter of "Workers' Daily" about his experience of encountering training loans. The reporter learned that there are still many people who are entangled in training loans if they do not succeed in job search.