Efficient loans and students' loans are two main forms of financial assistance to help students with financial difficulties successfully complete their studies, and they are also two ways that colleges and universities will choose to adopt at present. What's the difference between college loans and student loans? I think there are three main differences: First, the procedures are different. College student loans are applied after students enter school, while student loans are applied before students enter school. The full name of college loan is national student loan, so the process of college loan is that after students enter school, they submit relevant application materials, and the student financial assistance department of the school initially reviews the relevant information of students, and then submits it to the provincial student financial assistance management center in batches. After being audited by the provincial student financial assistance management center, it is submitted to the national student loan undertaking bank for approval. Generally speaking, this kind of loan is completed about three months after students enter school. Student loans are completely different. Student-origin student loan is a national student loan that students apply for in their hometown before going through the admission formalities. He can generally apply with the college admission notice, which is generally audited by the county-level student financial assistance management center. After verification by the county-level subsidy management center, it will be submitted to the relevant undertaking bank for loan. Generally speaking, the procedure of student-origin loan is relatively simple. Because his procedures are not very complicated, there are not too many requirements for handling materials, only the ID card, household registration book and admission notice of the loan student, as well as the application form for the student's hometown loan can be completed. After the application is completed, the school still needs to sign the receipt of the student loan. After the students start school, they will fill out a notice of student-origin loan to confirm that they have really studied, and then the students will send this receipt back to the county-level student financial assistance center, and the money can be deposited. Generally speaking, the processing time is relatively short, about one month before and after, so it can be done completely, so the procedures for handling student loans are relatively simple. Second, the loan amount is different, and the loan amount of colleges and universities is relatively high, while the loan amount of students' origin is generally lower than that of colleges and universities because of the different levels of economic development in different places. This is because college student loans are a common standard in China. Regardless of the eastern coastal areas or the central and western regions, everyone's loan amount is similar. However, student loans are different, which are determined by the level of economic development in various places. In some places, it may be less and less every year, and in some places, the economy may be relatively developed, and the loan amount varies from place to place. So it's different from place to place, and it's also different according to the majors students study. Some majors may charge higher fees, so the loan amount will increase accordingly, while some private schools have an average tuition fee of more than 30 thousand yuan. It is possible that only college loans can reach this level, and student loans may not meet this demand. Therefore, the difference in loan amount is also the main difference between the two. Third, the repayment period is different. Under normal circumstances, college loans are required to be paid off two years after graduation, and student loans take longer to pay off than college loans. Therefore, the repayment period is different, which determines the great difference between the two, that is, the interest-free period is different. Although everyone is free to study on campus, there is still a little difference when it comes to the final repayment, which is also their difference.