The loan contact person should be the person from whom the borrower comes. In principle, they should be under the age of 25-60, have a relatively fixed residence and contact information, be familiar with the borrower's family situation, and be relatives and friends of the borrower, teachers of the original school, cadres of village neighborhood committees, etc.

Once the loan contact person is determined, if there is no special reason, he should be responsible for contacting the borrowing students throughout the loan period. The loan contact person is an obligatory contact person, and shall not bear joint and several repayment responsibilities, and shall not charge any fees to the borrower.

The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.

Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.

The national student loan compensation mechanism, which was initially launched in September 2006, laid a good foundation for improving the financial aid system for students from poor families in colleges and universities with national student loans as the main body.