According to the different nature of loans, personal education loans can be divided into national student loans and commercial student loans. Among them, the national student loan is a bank loan led by the government, with financial subsidies, joint compensation from finance and universities, and operated jointly by banks, education administrative departments and universities to help students from poor families in universities pay for tuition, accommodation and living expenses during their study. Commercial student loan refers to the commercial loan that banks independently issue to natural persons in accordance with commercial principles to finance the tuition, accommodation and basic living expenses of poor students in domestic colleges and universities.