Data shows that many countries have set special policy financial institutions undertaking student loans. Like, US has “student loan market association”, Britain had “the student loans company”, Japan has “yuying will” etc, and commercial bank is not involved in direct student loans.

A special government for direct student loans interest, and bear the risk. Students default loans because of unemployment, the country will default on its obligations. Also, foreign student loan reimbursement kind is flexible, also be full of human nature to change. For instance the United States with respect to the regulation, six months after graduating students start reimbursement, period normally for 10 years, the longest can amount to 30 years. Students after graduation, if not find the job, or illness, injury, severe economic difficulties, still can apply for an extension reimbursement; If after graduation in schools you choose to be a teacher, five years after you can teach a loan of $10,000; As to impoverished area when teachers derate more. It is reported, these measures to take, make the country loan default rate in the short term by 22.4%descend to 5.4%.

Direct studens loan will be a popular and good way for students to graduate.