The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor families in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Because the national loan for helping Chinese characters does not need collateral, students who need to borrow Chinese characters need to apply for loans from banks through schools to make up for the lack of tuition, accommodation and living expenses during their studies at school and repay them in installments after graduation. As for how poor a family needs to apply in Chengdu, the rules of each word school are different. When applying for word school, you need to provide a description of your family's financial difficulties and a certificate from the township, town, street civil affairs department and county-level education administrative department about their financial difficulties.