The student loan of Xingcai Plan is a one-time payment; The Talent Promotion Scheme is a supplementary funding scheme for parents to apply for higher education for their children. As a licensed formal financial institution of China Banking Regulatory Commission, Industrial Consumer Finance has launched the "Prosperity Plan" within the existing family consumption loan product system for parents to apply for their children's higher education, with a maximum amount of 200,000, and only interest needs to be repaid during school and within five years after graduation, with a term of 20 years. Those who have applied for national student loans can also apply. It is reported that the "Xing Cai Plan" has fully studied the student loan models in Britain, the United States and other countries, and referred to the "parent loan" model in American student loans. Parents apply instead of students, and the use of funds is monitored throughout the process to prevent excessive consumption of funds flowing outside the school, and the second repayment person is also implemented, which enhances the certainty and sustainability of student loans; The talent promotion program is a supplement to the national student loan for parents to apply for and use for their children to receive higher education.