Abstract: With the rise of western consumerism in China, college students are prone to wrong consumption, such as luxury and leading, comparison and showing off, blind and lost. In particular, in recent years, various kinds of online lending have boosted the irrational consumption of college students. Aiming at the irrational consumption tendency of college students, education guidance should be given to them from education cognition, environment education and practice, so that they can form correct consumption concept, values and outlook on life.