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What measures can the national student loan take to achieve better student aid effect?
1. At present, in this junior college education stage, a financial aid policy system has been established, which is mainly based on national scholarships and student loans, supplemented by on-campus scholarships, work-study programs, difficult subsidies, tuition fee remission, "green channel" and tuition compensation loans. In the postgraduate education stage, national scholarships, academic scholarships,

Including national grants, national student loans, "three AIDS" (teaching assistants, research assistants and management assistants), tuition fee reduction and exemption, special difficulties subsidies and "green channels". The central government invests about 22.3 billion yuan each year to subsidize college students, benefiting about 6.6 million students.

2, the national student loan funding standards and funding ratio adjustment and improvement measures include:

The first is to adjust the national student loan funding standards. Taking into account the adjustment of the tuition standard for junior college students and the comprehensive fee standard for graduate students, the national student loan subsidy standard is adjusted from the current no more than 6,000 yuan per person per year to no more than 8,000 yuan per person per year for full-time college students and no more than12,000 yuan per person per year for full-time graduate students. If the sum of annual tuition and accommodation fees is lower than the maximum amount, the loan amount can be determined according to the sum of tuition and accommodation fees. In the financial aid policy system for college students, the national student loan is mainly to help students with financial difficulties to solve the problems of tuition and accommodation during school. The above loan amount can basically meet the needs of students from poor families to pay tuition and accommodation fees.

The second is to further refine the proportion of national student loans. Full-time college students (including second bachelor's degree and students in higher vocational colleges) should have the national average subsidy ratio equivalent to the national student loan in that year, and the national student loan ratio in various regions and universities should be equivalent to the national student loan ratio in that year; The proportion of national student loans for full-time graduate students is determined according to the coverage of national scholarships, academic scholarships and other scholarship policies and the situation of students with financial difficulties. At present, the national average subsidy ratio of college students' state grants is 20%, and the specific subsidy ratio of each province is determined according to the distribution of students with financial difficulties, including: 13%- 17% in the eastern region, 2 1%-22% in the central region and 27%-29% in the western region. The above proportion can basically objectively reflect the proportion demand of national student loans for undergraduates in different regions. The cost of study and living of graduate students is relatively high, and there are more channels to get financial aid than junior college students. Therefore, the proportion of national student loans for graduate students is not stipulated, but determined by various regions and schools according to the actual situation.