College students are borrowing more with fewer plans to pay back loans, according to a concerning new study conducted by EverFi, an education technology company.

“Even though respondents stated that they were anticipating borrowing more and more frequently, they had fewer plans for repaying those loans,” the study said. “In general, responsible planning behaviors decreased over time, but risky financial moves such as using payday lenders or taking out cash advances on credit cards, remained stable.”