Research on Measurements of Decreasing the Default Rate of National Student Loan

As a means of personal financing in higher education,state educational loan,which possesses the attributes and functions in politics,morality and economy,and pushes the policy,welfare and finance to merge into one,is widely implemented in the developed countries as well as in the developing countries.However,as the state educa-tional loan is heading for the repaying period,the issue in the credit of college students becomes marked.Some of the college students,whose consciousness in credit is thin,are outstandingly in default on a loan.The issue of credit has become the bottleneck of restraining the development of state educational loan.Therefore,how to decrease and prevent the probability of default on state educational loan is a burning problem to accelerate the virtuous cycle of state educational loan.