国家助学贷款是由政府主导、财政贴息、财政和高校共同给予银行一定风险补偿金,银行、教育行政部门与高校共同操作的,帮助高校家庭经济困难学生支付在校学习期间所需的学费和住宿费的银行贷款。国家助学贷款是信用贷款,学生不需要办理贷款担保或抵押,但需要承诺按期还款,并承担相关法律责任。国家助学贷款的资助对象是我国普通高校中家庭经济困难的全日制本专科生、第二学士学位学生和研究生。 National student loans are government-led, interest subsidy, finance and colleges and universities to give banks a certain amount of risk compensation, banks, education administration departments and colleges and universities to help the poor students in colleges and universities to pay for the school during the study required tuition and Bank loans for accommodation. National student loans are credit loans, students do not need to apply for loan guarantees or mortgages, but need to commit repayment on schedule, and bear the relevant legal responsibilities. The subsidy for the national student loans is the full-time undergraduates and second bachelor’s degree students and postgraduates of family financial difficulties in colleges and universities in our country.