Legal analysis: Honesty and trustworthiness are the moral standards that people use to evaluate a person. Honesty and compliance with standards and norms are the principles of interpersonal communication, and honesty is also advocated in social communication. On campus, one of the most direct problems of keeping promises is the repayment of student loans. The loan method of national student loan is credit guarantee. With the student himself as the guarantor, his personality is the best deposit, and the discount is given by the central or local finance. The original purpose of the national student loan is to solve the problem that some children from poor families have difficulty in going to school. You can lend a helping hand to help students' families solve the problem of going to school when they have difficulty paying for it.

Legal basis: Notice of General Office of the State Council on Forwarding Some Opinions of People's Bank of China and Other Departments on the Management of Student Loans 1. Improve the measures for the administration of national student loans.

(a) China Industrial and Commercial Bank should continue to actively handle the national student loan. On the premise of preventing risks, continue to explore various forms of guarantee for national student loans; It is necessary to simplify the loan examination and approval procedures and reasonably determine the loan term; Within the scope stipulated by the People's Bank of China, the borrower shall be given appropriate preferential treatment at the interest rate level.

(two) to stop the implementation of the "notice" fifteenth, twenty-third. Students who really can't provide guarantee, especially those from poor families and other students, can apply for national student loans in the form of credit.