The student loan in China is a policy that benefits the country and the people. This policy keeps the balance of education, which is very important to improve the quality of the people. However, with the implementation of the student loan policy, the breach of contract restricts the development of the policy. It is an important way to emphasize students' honesty consciousness, strengthen the construction of personal credit system, broaden the channels of tax refund and relieve the pressure of full employment in various ways. Improve the financial aid system for poor college students.