Advantages of student loan: The state helps students to complete their studies smoothly in order to alleviate the family pressure of poor students. The interest of students during their school days is fully subsidized by the state, and the grace period of loans is longer. Disadvantages of student loan: students' work income is unstable after graduation, their internship salary is low, sometimes they don't know when to pay it back, or they forget it temporarily because the repayment amount of student loan is too small, which leads to the loans overdue of student loan, which will generate a penalty interest of 1.3 times the normal interest, which will affect the loan in future work and life.

Student loans are different from ordinary loans. Most credit loan products on the market are not open to students. Student loans are provided by the state for students from poor families to go to school, subsidized by the central government, and the pressure is relatively small. Repayment before graduation, no loan interest, only loan interest but not principal five years before graduation, and the longest loan period is 22 years, which can greatly alleviate the repayment pressure of poor students.

Everything has two sides, and users need to think clearly before applying for student loans. Although the interest on student loans is subsidized by the state, interest is still charged after graduation. Users need to see according to their own needs. If the family is not very short of funds, there is no need to apply for a student loan.

What are the disadvantages of student loans? Are there any shortcomings?

The disadvantage of student loans is that students' failure to repay on time will affect their credit. Because the credit information systems of China Development Bank and China People's Bank are networked, the information of student loans will be recorded.

What are the disadvantages of student loans?

The disadvantages of student loan mainly come from the fact that if the loan student can't repay the loan on time, it will affect the personal credit of the loan student and the personal credit of the borrower. If the loan student repays the loan on time, then the student loan record belongs to normal credit reporting, which will not have a negative impact on personal credit reporting, and with credit reporting, users will not become credit reporting households.

In addition, student loans have a grace period for repayment, so the repayment pressure of loan students after graduation is not great. Please pay attention to repayment on time and actively safeguard personal credit.

Advantages of student loans

1, discount during school. Students don't have to repay the principal during their study in school, and the loan interest is subsidized by the government, so they don't have to repay it themselves;

There is a grace period of three years to repay the principal. Students only need to repay the loan interest in the first three years after graduation and the principal in the fourth year. Moreover, within three years of graduation, students should have found a job and have the ability to repay;

3. Low interest. The interest on student loans is subject to the benchmark interest rate of the People's Bank of China, and does not float.

Advantages and disadvantages of student loans

Advantages of student loans: relieving family pressure and helping students complete their studies smoothly. The interest of students in school is fully subsidized by the central government, and the grace period is longer. Disadvantages of student loans: students' ability to create wealth after graduation is not high, and it is easy to overdue, resulting in penalty interest of 65438+ 0.3 times of normal interest, which affects students' future loans.

The central government provides students with discount loans, and students from poor families can successfully complete their studies by relying on loans. When the borrower graduates, drops out of school, goes abroad, is expelled from school according to the school management regulations, and has not paid off all the loans, the borrower shall bear the loan interest by himself.

There is no harm in the student loan itself, because the state provides school security for students from poor families and it is subsidized by the central government, so students do not have much financial burden. However, students are different from students. Some students get national student loans but don't study hard, and student loans also have disadvantages.

Due to the lack of work experience of college students after graduation, enterprises generally do not give high salaries to fresh graduates, and there is a phenomenon of comparison, so the disadvantages of student loans are infinitely magnified.

Students' self-control is relatively poor, and some students fail to repay their loans within the time limit, resulting in bad credit records and affecting future loans.

This is the end of the introduction about the consequences and advantages of running a student loan. I wonder if you have found the information you need?