2. 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 (hereinafter referred to as students). Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.