Maybe you compared the bank’s deposit interest rate with your loan interest rate?

Or did you compare the interest rate when you entered school with the current bank interest rate?

No matter which aspect you look at, the interest rate of student loans is much lower than that of commercial loans. You can check the housing provident fund loan and compare it with the interest rate of your student loan

Moreover, as a national policy loan, student loans do not require collateral, some loans have discounted interest, and the repayment cycle is reasonable.

This is the personal residential and commercial loan interest rate last year (residential loan interest rates are already low)

Release date June (inclusive) 1 year (inclusive) 1~ 3 years (inclusive) 3~5 years (inclusive) More than 5 years

December 23, 2008 4.86-0.18 5.31-0.27 5.40-0.27 5.76-0.18 5.94-0.18

November 27, 2008 5.04-0.99 5.58-1.08 5.67-1.08 5.94-1.08 6.12-1.08

October 30, 2008 6.03-0.09 6.66-0.27 6.75-0.27 7.02-0.27 7.20 -0.27

October 9, 2008 6.12-0.09 6.93-0.27 7.02-0.27 7.29-0.27 7.47-0.27

September 16, 2008 6.21-0.36 7.20-0.27 7.29-0.27 7.56 -0.18 7.74-0.09

December 21, 2007 6.57 0.09 7.47 0.18 7.56 0.09 7.74 0.09 7.83 0.00

If you take a loan for 5 years, the annual interest rate will be above 5.5 and above 5 The annual rate is close to 5.8

At the same time, you must provide valid documents, proof of income, guarantor, relevant contracts, real estate mortgage, etc.

You can compare and see your own student aid What is the loan interest rate? If it really exceeds the scope of national regulations, you can report it to the relevant department, such as the provincial education loan management center.