In the creation of novels, plots often appear to increase the complexity and appeal of the plot, so this situation may be a common plot. In the plot of the novel, some financial institutions may require students to become members before they can obtain loans. This is because these financial institutions usually need to maintain some security measures to ensure that their loans will not be used for illegal or malicious purposes. However, it should be noted that if you can't tell whether this situation is true or not, it is recommended not to provide any funds to any strangers or unknown institutions to avoid losses. If you encounter similar problems, it is recommended to consult the customer service of relevant institutions or financial institutions to obtain more accurate information.