First, the application place is different.

Students' credit student loans are applied in the student financial assistance management center where the borrower's household registration is located; The national student loan is applied by the student financial aid management department of the university where the student is located after the start of school.

Second, borrowers are different.

Students and their parents should apply together when applying for student-origin credit student loans; The national student loan is applied by the borrower himself.

Third, the loan period is different.

The loan term of the student source credit student loan shall be determined according to the academic system plus 10 years, and the longest term shall not exceed 14 years; The longest loan period of the national student loan is 10 year.