Legal analysis: the student loan itself is to provide financial help to those students whose families are in financial difficulties and their income can't pay the tuition and accommodation fees needed during their studies. Naturally, they can only borrow tuition and accommodation fees. When students apply, the loan amount is generally determined according to the sum of tuition and accommodation fees. Among them, full-time college students do not exceed 8000 yuan per student; The maximum number of full-time graduate students per academic year is 1.2 million. After the student loan is approved, the bank will first distribute the loan funds to the Alipay account generated when the student applies for a loan, and then transfer them to the designated account of the school where the student attends.

Legal basis: Article 4 of the Interim Measures for the Administration of National Scholarships in Ordinary Undergraduate Colleges and Higher Vocational Schools is established by the central and local governments. The funds required for state grants in universities affiliated to the central departments shall be borne by the central finance. The funds needed for state grants in local colleges and universities shall be shared by the central and local governments in proportion according to local financial resources and students.