Not the same.

1. Different natures. The Zihui Plan is a subsidy provided by the state to help students with financial difficulties and new students from poor families. It is a subsidy and does not need to be repaid, while student loans refer to students borrowing money from banks. Apply for a loan to make up for the shortfall in tuition, accommodation and living expenses during your studies at school. It will be repaid in installments after graduation. It is a loan that needs to be repaid later.

2. The amount of funds varies. The Zihui Plan funding standards are: 500 yuan per student for freshmen admitted to colleges and universities within the province (autonomous region, municipality directly under the Central Government); 1,000 yuan per new student. The amount of student loans is determined based on the actual situation of the school the student is admitted to. The higher the tuition and accommodation fees, the more funds will be available. There are many examples of loans exceeding RMB 10,000.