Under the condition of socialist market economy, the national student loan is a state-funded measure to improve the financial aid system and increase the financial aid for students with financial difficulties in ordinary colleges and universities. It is led by the government, and through financial interest subsidies, it gathers financial institutions and universities to give banks certain risk compensation, and banks, education administrative departments and universities cooperate to help poor college students obtain bank loans.

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With the expansion of the scale of higher education, there are more and more students from poor families in rural areas and families of laid-off workers in cities, and university tuition fees have also risen sharply in recent years. It has become an urgent problem to help poor students pay their tuition fees. However, unlike ordinary loans, student loans do not need mortgage or guarantee, and the credit risk is greatly increased, which makes banks reduce their enthusiasm in this regard. This has seriously hindered the development of student loans. Therefore, how to improve the credit system of student loan in China, control the credit risk in the process of loan and speed up the construction of social credit system in China has become a common concern of the government, society and schools. In view of the difficulties encountered in the process, this paper expounds five factors that restrict student loans, and puts forward measures to overcome these five factors, so as to speed up the pace of student loans and solve the urgent problem of college students entering universities from family financial difficulties.