国家助学贷款是国家利用金融手段,资助普通高校贫困学生顺利完成学业的一项有利措施。但是,高校助学贷款违约问题一直是困扰着助学贷款工作有效开展的一大难题。文章通过对高校助学贷款违约的原因和不良后果进行分析,提出了完善助学贷款体制和相关政策、强化个人还款约束机制、加强诚信教育,拓宽还款渠道等措施。 The national student loan is a favorable measure for the state to use financial means to help poor students in ordinary colleges finish their studies successfully. However, the problem of student loan default in colleges and universities has always plagued the problem of helping student loans effectively. By analyzing the causes and adverse consequences of student loans default in colleges and universities, this paper puts forward some measures such as perfecting student loan system and related policies, strengthening personal repayment and restraint mechanisms, strengthening integrity education and widening repayment channels.