1. Relieve economic pressure: For many students, paying tuition and living expenses is a great burden, especially when the family's economic situation is not very good. Student loans can help students reduce these financial pressures and make them more focused on learning and growth. For example, Xiaoming's family's financial situation is not very good, but he really wants to go to college. Without the help of the student loan, he may not be able to realize his dream. Through the student loan, Xiaoming can successfully complete his studies and become a useful talent.
2. Improve academic qualifications: Student loans can help students get better educational opportunities and improve their academic qualifications and professional skills, which is very important for future job hunting and career development. Good education and professional skills can make students invincible in the highly competitive job market. For example, Xiaohong wants to study medicine, but the tuition is very expensive. Through the student loan, Xiaohong can find a good job, earn money and pay off the loan.
3. Excessive economic burden: Although student loans can help students reduce their economic pressure, the repayment period and interest rate of loans are issues that need to be considered. If students can't find a good job after graduation, they may face the problem of excessive economic pressure. For example, after Xiao Fang completed her studies through student loans, she couldn't find a good job, and the repayment pressure was too great, which affected the quality of life and work.
4. Borrowing risk: student loans require borrowers to take risks. If the borrower fails to repay the loan in time, it may not only affect the personal credit record and quality of life, but also affect the family's economic situation. For example, after Xiao Li completed his studies through student loans, he could not repay in time due to personal reasons, which led to poor family economic situation and even affected family relations.
Conditions for handling student loans
1, family financial difficulties;
2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;
3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);
4, honest and trustworthy, law-abiding, no illegal behavior;
5. Study hard and finish your studies normally.