The original intention of student loan is to help poor students finish their studies better, so the application conditions are mainly based on the students' economic situation and academic needs, not the overall economic situation of the family.

Specifically, students applying for student loans usually need to meet the following conditions: having China nationality and Chinese identity card; Have full capacity for civil conduct. Honest and trustworthy, law-abiding, no violations of law and discipline. Study hard and you can finish your studies normally. Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.