1. Tuition payment: student loans can be used to pay students' tuition fees, including undergraduate, postgraduate and degree tuition fees.

2. Accommodation payment: student loans can be used to pay students' accommodation fees, including dormitory fees or rental fees.

3. Living expenses subsidy: the amount of student loans exceeds tuition and accommodation fees, and the remaining amount can be used to subsidize students' daily living expenses, such as food, transportation and communication.