Legal analysis: parents can check their children's loans. Judging from the bank's loan requirements, as long as the borrower has good credit, has the ability to repay the loan principal and interest in full and on time, and his age, work and income meet the standards, he can apply for a loan. This does not mean that the borrower's parents have bad credit and are prohibited from lending. Therefore, children whose parents are faithless can also get loans. However, if parents break their promises, their children will not be able to attend private schools with high fees, and general compulsory education schools will not be affected.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record. Other conditions required by the lender.