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She kept taking out new loans to pay off old ones, and her debt snowballed to 55,000 yuan (,347) when the lender demanded a nude photo of her as a guarantee for new loans.
She told the newspaper that many of her female classmates had been swept into the scheme but were unwilling to speak up.
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The woman was planning to report the incident to police, the newspaper said.
Loan sharks also demanded personal information from borrowers, including phone numbers, ID numbers, home addresses, parents’ names, contacts for roommates and student registration information, which the lenders threatened to make public should the borrower default, the report said.
After the story was published, loan sharks suspended the practice, the newspaper reported in a follow-up article.