Guide: What is the interest on student loans? Is there interest on the student loan for college students? The answer is yes. After all, student loans are a kind of credit lending relationship, and banks have to charge a certain amount of interest. Then, how do the national student loan and the student-origin student loan charge interest respectively? This section will mainly introduce the interest of college students' loans. Interest rate policy of student loans The interest rate policy of national student loans and student-origin credit student loans is: the benchmark interest rate of the same grade announced by the People's Bank of China at the same time will not rise. The interest of students during their school days is fully subsidized by the finance. The interest actually repaid by students after graduation shall be implemented according to the interest rate of the same period of the year. Student loans are divided into two categories: national student loans and student-origin credit student loans, so the interest of student loans is also different, as follows: 1: National student loans are bank loans led by the government, subsidized by the government, and jointly operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. National student loan interest: according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. In case of interest rate adjustment, it shall be implemented in accordance with the relevant provisions of the People's Bank of China. 2. Student credit student loan Student credit student loan refers to the student credit student loan issued by the China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan. Interest on student-origin loan: the interest rate is the benchmark interest rate of RMB loan announced by the People's Bank of China at the time of loan issuance. During school, the interest is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower. Bank loan interest rate _ loan interest rate _ latest loan interest rate table 20 12 Bank loan interest rate _ loan interest rate _ latest loan interest rate table 20 12