Student loans refer to students who need loans due to tuition fees, living expenses and other reasons, and can obtain financial assistance by applying for loans. Student loan is a part of national policy, which can reduce the financial burden of students' families and help more students complete their college studies.

Pending loan means that the loan application has been submitted and passed the examination, but before the loan is issued, it still needs to wait for a period of freezing period, which is the so-called pending loan state. During this period, banks or financial institutions will conduct a final review and verification of the loan application to ensure that the applicant meets the loan conditions.

In the process of waiting for the loan, the applicant needs to wait patiently, and at the same time, he needs to pay the tuition fees owed on time, so as not to affect the normal issuance of the loan because of the arrears of tuition fees. Once approved and qualified for the loan, the bank or financial institution will remit the loan amount to the account designated by the student to pay the tuition and daily living expenses. Students should learn to use student loan funds reasonably, abide by relevant agreements and regulations, complete their studies as soon as possible and pay off the principal and interest of loans, and also leave more learning opportunities for the next generation of students.