The national student loan is a credit student loan led by the government and provided by financial institutions to students with financial difficulties in colleges and universities to help them solve their tuition and accommodation expenses during their school days. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The national student loan interest of the borrower during the school period is all subsidized by the financial department, and the interest is paid in full by the student himself after graduation.