Education loan is a loan provided by credit institutions to enable students to receive higher education. The loan conditions are better than those in the general commercial market, most of which are low interest or even interest-free, and the repayment period is longer.

There are certain conditions and restrictions on obtaining loans, which are usually organized and implemented by private financial institutions and guaranteed by the government. Some are implemented by government-owned financial institutions or specialized agencies.

Western educational economists believe that this can not only solve the enrollment difficulties of poor students, but also solve the reasonable burden of education funds, so it has become the main measure to subsidize students in western countries.