Legal analysis: 1. Co-borrower, a student-origin student loan, needs to meet the following conditions: 1. In principle, co-borrower should be the parents of the borrowing students. If the parents of the borrowing students lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other immediate family members of the borrowing students can be regarded as co-borrower; If the borrower is an orphan, co-borrower is another legal guardian or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower.

2. co-borrower's household registration and students' pre-school household registration are in counties (cities, districts). For example, if co-borrower is not the parent of the borrowing student, he is in principle between 25 and 60 years old; Borrowing students who have obtained loans from the Development Bank cannot be co-borrower as other borrowing students in principle.

In addition, there is a special case where students are orphans or have no legal guardians. In this case, students can invite other close relatives as co-borrower. Co-borrower, as a student's next of kin, must meet the following conditions: 1, and the age must be between 20 and 60. In the process of handling, co-borrower needs to be replaced when he is over 60 years old; 2. People who get student loans from students' places of origin cannot be regarded as co-borrower of others in principle;

3. co-borrower should try its best to have a certain repayment ability.

Three. Change of student loan for process students in co-borrower: 1. Students and the new co-borrower go to the local county-level funding center to submit change applications. 2. Wait for the relevant staff to verify the identity of the new co-borrower and confirm whether it meets the requirements. 3. If the new co-borrower meets the requirements, both parties can re-sign the student loan contract. Extended data:

Student-origin credit student loans refer to student loans issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the student financial assistance management center or financial institution in the county (urban area) where the students are studying to help the students with financial difficulties pay the tuition and accommodation fees needed during their studies at school. Student-origin credit student loan is a kind of credit loan, which does not need guarantee and mortgage. The students and their parents (or other legal guardians) are co-borrower, and they are jointly responsible for repayment.

Legal basis: Article 37 of the Education Law of the People's Republic of China. The state and society provide various forms of financial assistance to children, adolescents and young people who meet the requirements for admission and have poor families. The Higher Education Law only makes a general provision in Articles 9 and 54: "Citizens have the right to receive higher education according to law. The state takes measures to help minority students and students with financial difficulties receive higher education. " "Students in institutions of higher learning shall pay tuition fees in accordance with state regulations. Students with financial difficulties can apply for subsidies or reduce tuition fees. "